Credit Rating

16 Changing your Card Type 16.1 We may issue a different Card Type from the one you applied for to be used alongside or instead of an existing Card. Your signature on the Agreement will be taken as your request for us to do so. We may issue supplementary Cards, renew or replace Cards from time to time, either with the same type of Cards or different Card Types which you qualify for at that time and which are covered under this Agreement. 16.2 The terms that apply to any Special Transaction will not be affected if we give you a new Card Type and we will tell you if there are any changes to interest rates, charges, credit limits and promotional schemes. If you change to another Card Type we will give you a new Account number. 17 Changes to this Agreement 17.1 We may alter our interest rates at any time but, if we have exercised our discretion under Condition 6 to charge a special interest rate for a particular period, we will not change the special interest rate during the relevant period or change the length of the relevant period. We may change the Payment Date by changing the number of days after the statement date within which you must make your payment. We may also change the date upon which the statement is issued. We can tell you about changes by post, in statement messages or email and in the case of rate changes, by putting notices in newspapers. 17.2 We may from time to time alter our charges, introduce new charges or alter or add to any of the other terms of this Agreement for any valid reason which may include:

• to reflect any change in your financial position or the degree of credit risk your Account represents (we may take into account any failure by you to make payments on time or at all);
• to reflect changes in the law or requirements or recommendations of a regulatory or trade body;
• to reflect changes in market conditions;
• to reflect changes in our costs;
• to reflect changes in systems, methods of operation or industry practice;
• to reflect changes to the services, benefits, products or features available to you in relation to your Card. We will give you at least 30 days prior written notice of the alteration or addition, except where the change is to your advantage, in which case we may make the alteration or addition immediately and let you know within 30 days.

17.3 We may make changes to the services, benefits, products or features available to you in relation to your Card. We will give you at least 30 days notice before making the change. 17.4 Where we issue you with new Card or Account details (such as when your Card is lost, stolen or expired) it is your responsibility to ensure that the provider of any relevant insurance or other service (who is paid directly from your Card) is advised of the new Card or Account details. Where requested by the relevant insurance provider, we may provide these details directly to them to ensure that any linked policies can be maintained. 17.5 From time to time for commercial reasons we may decide to change the insurers underwriting some or all of the insurance products offered to you. In such circumstances we will write to you with at least 21 days notice with details of the new proposed insurers and any other changes to the insurance. Accordingly, in order to ensure continuity of your insurance you authorise us to transfer your data to any new proposed insurer and consent to receiving its offer of insurance. You may write to us at any time to cancel this authority and consent. 17.6 If we exercise any of our rights under this Condition, you can end this Agreement under Condition 13. 18 Notices 18.1 You must give us notice as soon as you can if:

• a Card or Account Cheque is lost or stolen or you or any Additional Cardholder have reason to suspect that a Card, Account Cheque, PIN or Card number may be misused by any person or;
• your statement includes an item which seems wrong;
• you change your name or if any Additional Cardholder changes his/her name;
• you change your address; or
• you want to end this Agreement.

You can notify us by telephone, free on 0800 02 88 990 or from overseas +44 123 672 5678 (reversing the charges) (24 hour service). If we ask you to do so, you must confirm any notice to us within seven days by writing to us at P.O. Box 3596, Glasgow, G68 9YT. 18.2 We will give you notice:

• if we want to end this Agreement;
• if we change our telephone number or address;

by writing to you at the most recent address you have given us. 18.3 You must give us all information that you have about the loss, theft or possible misuse of a Card, Card number, Account Cheque or PIN, and any other information which we may reasonably ask for to help us recover our property and investigate the matter, and report the matter to the police. You must also make reasonable efforts to ensure that each Additional Cardholder whom we ask does all of these things. We may give the police or any other law enforcement agencies any information which we reasonably believe may be relevant. 19.1 You may not transfer or try to transfer this Agreement or any of your rights or responsibilities under it, as it is personal to you. We may transfer this Agreement or any of our rights and/or responsibilities under it to any company, firm or person at any time. 19.2 We may arrange for any other person to exercise our rights or carry out our responsibilities under this Agreement. 19.3 If you or an Additional Cardholder have a dispute with anyone else about a Transaction, you must not use the dispute to refuse to make any payment under this Agreement or take anything away from any payment due under this Agreement, unless you have a legal right to do this. 19.4 We and our authorised agents and representatives may record and/or monitor telephone conversations with you and/or any Additional Cardholder so that we can maintain our service standards. 19.5 If we do not insist on any of our rights under this Agreement, we may still insist on that right later. 19.6 If you make a claim under any payment protection plan insurance, you authorise the insurers to pay us any proceeds of the claim to apply in or towards repayment of the Account Balance. monebaggassemonebaggasse20 Governing Law This Agreement is governed by and interpreted under English law. In this Agreement:

Account

means the account we open in your name;

Account Balance

means the total amount borrowed from us on the Account from time to time;

Account Cheque

means a cheque for making payments using the Account which we may treat as a Balance Transfer, a Purchase or a Cash Advance;

Additional Cardholder

means a person you have asked us to give a Card and/or Account Cheques to so that they can use the Account;

Agreement

means the agreement signed by us and you and these conditions as varied from time to time;

Balance Transfer

means a payment which we make, or which you make with an Account Cheque, to another lender which will pay off or reduce the amount you owe them;

Card

means any credit card which we give you or an Additional Cardholder to use on the Account;

Card Type

means any Card we issue under the MasterCard or any other card acceptance scheme carrying such brand and number as we may decide;

Cash Advance

means cash, (including foreign currency), or a Cash Substitute obtained by use of a Card or the Card number or an Account Cheque;

Cash Advance Balance

means the amount you owe us in respect of Cash Advances (not included in the Special Transaction Balance) including the handling fee, any foreign exchange fee and any payment protection insurance premium relating to these sums;

Cash Substitute

means cash substitutes such as a traveller cheque, a postal order, betting or gambling transactions and any transaction taking place in a betting or gaming establishment;

Cash Credit Limit

means the maximum Cash Advance Balance;

Credit Charges

means the charges and interest you have to pay us in relation to Transactions;

Credit Limit

means the amount we notify to you from time to time as the maximum amount we may allow you to borrow from us on the Account at any time;

Extended Balance Transfer

means a Balance Transfer that benefits from preferential terms for a specified period, the outstanding balance of which will continue to benefit from preferential terms for a further period on terms we will tell you about;

Group Company

means our parent company and any companies we or our parent own (in whole or in part) at any time;

Payment Date

means the date given on a statement by which you must make at least your minimum payment or if that day is not a Working Day, the next Working Day;

Payment System

means any international card payment organisation whose logos and marks appear on a Card;

Personal Information

means: