Common use of YOUR LIABILITY AND AUTHORISATIONS Clause in Contracts

YOUR LIABILITY AND AUTHORISATIONS. 10.1 You are responsible for the use of your Tide Cards issued and for your relationship with us. You must ensure that all the users of your Tide Cards including the Tide Platform Users and any Tide Cardholders understand and comply with these Tide Card Terms. 10.2 We may restrict or refuse to authorise any use of your Tide Cards issued to your nominated Tide Cardholders including transactions in any legal jurisdiction if: 10.2.1 using the Tide Card is causing or could cause a breach of these Tide Card Terms; 10.2.2 if we have reasonable grounds for suspecting that either you, a Tide Platform User, a Tide Cardholder or a third party has committed or is about to commit a crime or other abuse in connection with a Tide Card; or 10.2.3 if we can no longer process your transactions due to the actions of third parties including if obligations are imposed on us by third parties which mean that we are no longer willing or able to process payment transactions. This includes Mastercard requiring Tide to provide additional security collateral to process your Tide Card Transactions. 10.3 If we restrict or refuse to authorise your use of Tide Cards, your attempted transactions using your Tide Card(s) will be refused by the Merchant. 10.4 If restrict or refuse (or intend to restrict and refuse) any use of your Tide Cards in accordance with clause 10.2.3 then, unless we are prevented from contacting you by reason of law or regulation, we will get in touch with you as soon as possible using our usual means of communication to let you know why we are refusing or intending to refuse to make the payment and how you can rectify any factual errors (if this is what led to the refusal). If there is more than one payment in a day that we refuse or intend to refuse, we may only get in touch with you once per day to let you know why we are refusing to make the payment. If we intend to refuse payments during a period of more than one day, we may only contact you once in advance to let you know that we intend to refuse payments during that period. 10.5 Where appropriate, any refusal to authorise a Tide Card Transaction will be relayed to the Tide Cardholder via the Merchant concerned. 10.6 It is your responsibility to ensure Tide Cardholders sign their Tide Card as soon as they receive it and keep it safe. They must also keep safe any security information or credentials related to the Tide Card and the Tide Platform. 10.7 You will be liable for all unauthorised Tide Card Transactions that arise from the use of a lost or stolen Tide Card or Tide Platform security information or the misappropriation of the Tide Card or the Tide Platform or if a Tide Platform User or a Tide Cardholder fails to: 10.8.1 keep the Tide Card and/or security features of the Tide Card or Tide Platform safe; 10.8.2 notify us that the Tide Card is lost or stolen. 10.9 You must ensure the Tide Cardholder and/or all of the Tide Platform Users do not: 10.9.1 allow another person to use a Tide Card, PIN or Passcode or security information related to the Tide Platform. 10.9.2 write down Passcode(s), PIN or any security information related to Tide Card or Tide Platform unless this is done in a way that would make it impossible for anyone else to recognise any of that information, or 10.9.3 disclose their PIN, Passcode or password or any other security information related to Tide Card or Tide Platform, or otherwise make them available to any other person, whether verbally or by entering them in a way that allows them to be observed by others; or 10.9.4 enter the PIN in any ATM that does not look genuine, has been modified, has a suspicious device attached or is operating in a suspicious manner. 10.10 You should never allow a third party other than the Tide Cardholder or a Tide Platform User to use or access your Tide Card or the Tide Platform.

YOUR LIABILITY AND AUTHORISATIONS. 10.1 You are responsible for the use of your Tide Cards issued and for your relationship with us. You must ensure that all the users of your Tide Cards including the Tide Platform Users and any Tide Cardholders understand and comply with these Tide Card Terms. 10.2 We may restrict or refuse to authorise any use of your Tide Cards issued to your nominated Tide Cardholders including transactions in any legal jurisdiction if: 10.2.1 if using the Tide Card is causing or could cause a breach of these Tide Card Terms; 10.2.2 Terms or if we have reasonable grounds for suspecting that either you, a Tide Platform User, a Tide Cardholder or a third party has committed or is about to commit a crime or other abuse in connection with a Tide Card; or 10.2.3 if we can no longer process your transactions due to the actions of third parties including if obligations are imposed on us by third parties which mean that we are no longer willing or able to process payment transactions. This includes Mastercard requiring Tide to provide additional security collateral to process your Tide Card Transactions. 10.3 If we restrict or refuse to authorise your use of Tide Cards, your attempted transactions using your Tide Card(s) will be refused by the Merchant. 10.4 If restrict or refuse (or intend to restrict and refuse) any use of your Tide Cards in accordance with clause 10.2.3 then, unless we are prevented from contacting you by reason of law or regulation, we will get in touch with you as soon as possible using our usual means of communication to let you know why we are refusing or intending to refuse to make the payment and how you can rectify any factual errors (if this is what led to the refusal). If there is more than one payment in a day that we refuse or intend to refuse, we may only get in touch with you once per day to let you know why we are refusing to make the payment. If we intend to refuse payments during a period of more than one day, we may only contact you once in advance to let you know that we intend to refuse payments during that period. 10.5 Where appropriate, any refusal to authorise a Tide Card Transaction will be relayed to the Tide Cardholder via the Merchant concerned. 10.6 10.4 It is your responsibility to ensure Tide Cardholders sign their Tide Card as soon as they receive it and keep it safe. They must also keep safe any security information or credentials related to the Tide Card and the Tide Platform. 10.7 10.5 You will be liable for all unauthorised Tide Card Transactions that arise from the use of a lost or stolen Tide Card or Tide Platform security information or the misappropriation of the Tide Card or the Tide Platform or if a Tide Platform User or a Tide Cardholder fails to: 10.8.1 10.5.1 keep the Tide Card and/or security features of the Tide Card or Tide Platform safe; 10.8.2 10.5.2 notify us that the Tide Card is lost or stolen. 10.9 10.6 You must ensure the Tide Cardholder and/or all of the Tide Platform Users do not: 10.9.1 10.6.1 allow another person to use a Tide Card, PIN or Passcode or security information related to the Tide Platform. 10.9.2 10.6.2 write down Passcode(s), PIN or any security information related to Tide Card or Tide Platform unless this is done in a way that would make it impossible for anyone else to recognise any of that information, or 10.9.3 10.6.3 disclose their PIN, Passcode or password or any other security information related to Tide Card or Tide Platform, or otherwise make them available to any other person, whether verbally or by entering them in a way that allows them to be observed by others; or 10.9.4 10.6.4 enter the PIN in any ATM that does not look genuine, has been modified, has a suspicious device attached or is operating in a suspicious manner. 10.10 10.7 You should never allow a third party other than the Tide Cardholder or a Tide Platform User to use or access your Tide Card or the Tide Platform.

YOUR LIABILITY AND AUTHORISATIONS. 10.1 You are responsible for the use of your Tide Cards issued and for your relationship with us. You must ensure that all the users of your Tide Cards including the Tide Platform Users users and any Tide Cardholders understand and comply with these Tide Card Terms. 10.2 We may restrict or refuse to authorise any use of your Tide Cards issued to your nominated Tide Cardholders including transactions in any legal jurisdiction if: 10.2.1 using the Tide Card is causing or could cause a breach of these Tide Card Terms; 10.2.2 if we have reasonable grounds for suspecting that either you, a Tide Platform Useruser, a Tide Cardholder or a third party has committed or is about to commit a crime or other abuse in connection with a Tide Card; or 10.2.3 if we can no longer process your transactions due to the actions of third parties including if obligations are imposed on us by third parties which mean that we are no longer willing or able to process payment transactions. This includes Mastercard requiring Tide to provide additional security collateral to process your Tide Card Transactions. 10.3 If we restrict or refuse to authorise your use of Tide Cards, your attempted transactions using your Tide Card(s) will be refused by the Merchant. 10.4 If restrict or refuse (or intend to restrict and refuse) any use of your Tide Cards in accordance with clause 10.2.3 then, unless we are prevented from contacting you by reason of law or regulation, we will get in touch with you as soon as possible using our usual means of communication to let you know why we are refusing or intending to refuse to make the payment and how you can rectify any factual errors (if this is what led to the refusal). If there is more than one payment in a day that we refuse or intend to refuse, we may only get in touch with you once per day to let you know why we are refusing to make the payment. If we intend to refuse payments during a period of more than one day, we may only contact you once in advance to let you know that we intend to refuse payments during that period. 10.5 Where appropriate, any refusal to authorise a Tide Card Transaction will be relayed to the Tide Cardholder via the Merchant concerned. 10.6 It is your responsibility to ensure Tide Cardholders sign their Tide Card as soon as they receive it and keep it safe. They must also keep safe any security information or credentials related to the Tide Card and the Tide Platform. 10.7 You will be liable for all unauthorised It is your responsibility to ensure Tide Cardholders sign their Tide Card Transactions that arise from the use of a lost or stolen Tide Card or Tide Platform as soon as they receive it and keep it safe. They must also keep safe any security information or the misappropriation of credentials related to the Tide Card or and the Tide Platform or if a Tide Platform User or a Tide Cardholder fails to:Platform. 10.8.1 keep the Tide Card and/or security features of the Tide Card or Tide Platform safe; 10.8.2 notify us that the Tide Card is lost or stolen. 10.9 You must ensure the Tide Cardholder and/or all of the Tide Platform Users users do not: 10.9.1 allow another person to use a Tide Card, PIN or Passcode or security information related to the Tide Platform. 10.9.2 write down Passcode(s), PIN or any security information related to Tide Card or Tide Platform unless this is done in a way that would make it impossible for anyone else to recognise any of that information, or 10.9.3 disclose their PIN, Passcode or password or any other security information related to Tide Card or Tide Platform, or otherwise make them available to any other person, whether verbally or by entering them in a way that allows them to be observed by others; or 10.9.4 enter the PIN in any ATM that does not look genuine, has been modified, has a suspicious device attached or is operating in a suspicious manner. 10.10 You should never allow a third party other than the Tide Cardholder or a Tide Platform User user to use or access your Tide Card or the Tide Platform.

YOUR LIABILITY AND AUTHORISATIONS. 10.1 11.1. You are responsible for the use of your Tide Cards issued issued, the Tide GBP E- Money Account and for your relationship with usPayment Instructions issued. You must ensure that all the users of your Tide Cards GBP E-Money Account including the Tide Platform Users and any Tide Cardholders understand and comply with these Tide Card Termsthis Agreement. 10.2 11.2. We may restrict or refuse to authorise any use of your Tide GBP E-Money Account and any Tide Cards issued to your nominated Tide Cardholders GBP E-Money Account including transactions in any legal jurisdiction if: 10.2.1 if using the Tide Card or Tide GBP E-Money Account is causing or could cause a breach of these Tide Card Terms; 10.2.2 this Agreement or if we have reasonable grounds for suspecting that either you, a Tide Platform User, a Tide Cardholder or a third party has committed or is about to commit a crime or other abuse in connection with a Tide Card; or 10.2.3 if we can no longer process your transactions due to the actions of third parties including if obligations are imposed on us by third parties which mean that we are no longer willing or able to process payment transactions. This includes Mastercard requiring Tide to provide additional security collateral to process your Tide Card Transactions.or Tide GBP E-Money Account.‌ 10.3 If we restrict or refuse to authorise your use of Tide Cards, your attempted transactions using your Tide Card(s) will be refused by the Merchant. 10.4 If restrict or refuse (or intend to restrict and refuse) any use of your Tide Cards in accordance with clause 10.2.3 then, unless we are prevented from contacting you by reason of law or regulation, we will get in touch with you as soon as possible using our usual means of communication to let you know why we are refusing or intending to refuse to make the payment and how you can rectify any factual errors (if this is what led to the refusal)11.3. If there is more than one payment in a day that we refuse or intend to refuse, we may only get in touch with you once per day to let you know why we are refusing to make the payment. If we intend to refuse payments during a period of more than one day, we may only contact you once in advance to let you know that we intend to refuse payments during that period. 10.5 Where appropriate, any refusal to authorise a Tide Card Transaction will be relayed to the Tide Cardholder via the Merchant concerned. 10.6 11.4. It is your responsibility to ensure Tide Cardholders sign their Tide Card as soon as they receive it and keep it safe. They must also keep safe any security information or credentials related to the Tide Card Card, the Tide GBP E-Money Account and the Tide Platform. 10.7 11.5. You will be liable for all unauthorised Tide Card Transactions and PPS Payments that arise from the use of a lost or stolen Tide Card or Tide Platform GBP E-Money Account security information or the misappropriation of the Tide Card or the Tide Platform or if a Tide Platform User or a Tide Cardholder fails to: 10.8.1 11.5.1. keep the Tide Card and/or security features of the Tide Card or and the Tide Platform GBP E-Money Account safe; 10.8.2 11.5.2. notify us that the Tide Card is lost or stolen. 10.9 11.6. You must ensure the Tide Cardholder and/or all of the Tide Platform Users do not: 10.9.1 11.6.1. allow another person to use a Tide Card, PIN or Passcode or security information related to the Tide Platform.Platform.‌ 10.9.2 11.6.2. write down Passcode(s), PIN or any security information related to Tide Card or Card, Tide GBP E-Money Account and Tide Platform unless this is done in a way that would make it impossible for anyone else to recognise any of that information, or 10.9.3 11.6.3. disclose their PIN, Passcode or password or any other security information related to Tide Card or Card, Tide GBP E-Money Account and Tide Platform, or otherwise make them available to any other person, whether verbally or by entering them in a way that allows them to be observed by others; or 10.9.4 11.6.4. enter the PIN in any ATM that does not look genuine, has been modified, has a suspicious device attached or is operating in a suspicious manner. 10.10 11.7. You should never allow a third party other than the Tide Cardholder or Cardholder, a Tide Platform User or an Authorised Third Party Provider to use or access your Tide Card or the Tide Platform.GBP E-Money Account

YOUR LIABILITY AND AUTHORISATIONS. 10.1 You are responsible for the use of your Tide Cards issued and for your relationship with us. You must ensure that all the users of your Tide Cards including the Tide Platform Users and any Tide Cardholders understand and comply with these Tide Card Terms. 10.2 We may restrict or refuse to authorise any use of your Tide Cards issued to your nominated Tide Cardholders including transactions in any legal jurisdiction if: 10.2.1 using the Tide Card is causing or could cause a breach of these Tide Card Terms; 10.2.2 if we have reasonable grounds for suspecting that either you, a Tide Platform User, a Tide Cardholder or a third party has committed or is about to commit a crime or other abuse in connection with a Tide Card; or 10.2.3 if we can no longer process your transactions due to the actions of third parties including if obligations are imposed on us by third parties which mean that we are no longer willing or able to process payment transactions. This includes Mastercard requiring Tide to provide additional security collateral to process your Tide Card Transactions. 10.3 If we restrict or refuse to authorise your use of Tide Cards, your attempted transactions using your Tide Card(s) will be refused by the Merchant. 10.4 If restrict or refuse (or intend to restrict and refuse) any use of your Tide Cards in accordance with clause 10.2.3 then, unless we are prevented from contacting you by reason of law or regulation, we will get in touch with you as soon as possible using our usual means of communication to let you know why we are refusing or intending to refuse to make the payment and how you can rectify any factual errors (if this is what led to the refusal). If there is more than one payment in a day that we refuse or intend to refuse, we may only get in touch with you once per day to let you know why we are refusing to make the payment. If we intend to refuse payments during a period of more than one day, we may only contact you once in advance to let you know that we intend to refuse payments during that period. 10.5 Where appropriate, any refusal to authorise a Tide Card Transaction will be relayed to the Tide Cardholder via the Merchant concerned. 10.6 It is your responsibility to ensure Tide Cardholders sign their Tide Card as soon as they receive it and keep it safe. They must also keep safe any security information or credentials related to the Tide Card and the Tide Platform. 10.7 You will be liable for all unauthorised Tide Card Transactions that arise from the use of a lost or stolen Tide Card or Tide Platform security information or the misappropriation of the Tide Card or the Tide Platform or if a Tide Platform User or a Tide Cardholder fails to: 10.8.1 keep the Tide Card and/or security features of the Tide Card or Tide Platform safe; 10.8.2 notify us that the Tide Card is lost or stolen. 10.9 You must ensure the Tide Cardholder and/or all of the Tide Platform Users do not: 10.9.1 allow another person to use a Tide Card, PIN or Passcode or security information related to the Tide Platform. 10.9.2 write down Passcode(s), PIN or any security information related to Tide Card or Tide Platform unless this is done in a way that would make it impossible for anyone else to recognise any of that information, or 10.9.3 disclose their PIN, Passcode or password or any other security information related to Tide Card or Tide Platform, or otherwise make them available to any other person, whether verbally or by entering them in a way that allows them to be observed obser ved by others; or 10.9.4 enter the PIN in any ATM that does not look genuine, has been modified, has a suspicious device attached or is operating in a suspicious manner. 10.10 You should never allow a third party other than the Tide Cardholder or a Tide Platform User to use or access your Tide Card or the Tide Platform.

YOUR LIABILITY AND AUTHORISATIONS. 10.1 You are responsible for the use of your Tide Cards issued and for your relationship with us. You must ensure that all the users of your Tide Cards including the Tide Platform Users users and any Tide Cardholders understand and comply with these Tide Card Terms. 10.2 We may restrict or refuse to authorise any use of your the Tide Cards issued to your nominated Tide Cardholders including transactions in any legal jurisdiction if: 10.2.1 using the Tide Card is causing or could cause a breach of these Tide Card Terms; 10.2.2 if we have reasonable grounds for suspecting that either you, a Tide Platform Useruser, a Tide Cardholder or a third party has committed or is about to commit a crime or other abuse in connection with a Tide Card; or 10.2.3 if we can no longer process your transactions due to the actions of third parties including if obligations are imposed on us by third parties which mean that we are no longer willing or able to process payment transactions. This includes Mastercard requiring Tide to provide additional security collateral to process your Tide Card Transactions. 10.3 If we restrict or refuse to authorise your use of Tide Cards, your attempted transactions using your Tide Card(s) will be refused by the Merchant. 10.4 If restrict or refuse (or intend to restrict and refuse) any use of your the Tide Cards in accordance with clause 10.2.3 then, unless we are prevented from contacting you by reason of law or regulation, we will get in touch with you as soon as possible using our usual means of communication to let you know why we are refusing or intending to refuse to make the payment and how you can rectify any factual errors (if this is what led to the refusal). If there is more than one payment in a day that we refuse or intend to refuse, we may only get in touch with you once per day to let you know why we are refusing to make the payment. If we intend to refuse payments during a period of more than one day, we may only contact you once in advance to let you know that we intend to refuse payments during that period. 10.5 Where appropriate, any refusal to authorise a Tide Card Transaction will be relayed to the Tide Cardholder via the Merchant concerned. 10.6 It is your responsibility to ensure Tide Cardholders sign their Tide Card as soon as they receive it and keep it safe. They must also keep safe any security information or credentials related to the Tide Card and the Tide Platform. 10.7 You will be liable for all unauthorised It is your responsibility to ensure Tide Cardholders sign their Tide Card Transactions that arise from the use of a lost or stolen Tide Card or Tide Platform as soon as they receive it and keep it safe. They must also keep safe any security information or the misappropriation of credentials related to the Tide Card or and the Tide Platform or if a Tide Platform User or a Tide Cardholder fails to:Platform. 10.8.1 keep the Tide Card and/or security features of the Tide Card or Tide Platform safe; 10.8.2 notify us that the Tide Card is lost or stolen. 10.9 You must ensure the Tide Cardholder and/or all of the Tide Platform Users do not: 10.9.1 allow another person to use a Tide Card, PIN or Passcode or security information related to the Tide Platform. 10.9.2 write down Passcode(s), PIN or any security information related to Tide Card or Tide Platform unless this is done in a way that would make it impossible for anyone else to recognise any of that information, or 10.9.3 disclose their PIN, Passcode or password or any other security information related to Tide Card or Tide Platform, or otherwise make them available to any other person, whether verbally or by entering them in a way that allows them to be observed by others; or 10.9.4 enter the PIN in any ATM that does not look genuine, has been modified, has a suspicious device attached or is operating in a suspicious manner. 10.10 You should never allow a third party other than the Tide Cardholder or a Tide Platform User to use or access your Tide Card or the Tide Platform.