TERMS AND CONDITIONS APPLICABLE TO ALL ACCOUNTS

DEFINITIONS "Account" means the prepaid account established by us in your name; "Account Opening Date" means the date on which you open your Account by paying your Card Issue Fee and, if applicable, your first Monthly Fee or, if you have purchased a Registration Pack, the date on which you register ("Registration Date"); "APS" means Advanced Payment Solutions Limited; "AFL" means APS Financial Limited; "ATM Card" means the card you receive from a Retail Outlet when you open your Account, which is temporary (until your Prepaid MasterCard® Card arrives); "Barcode Letter" means the letter you receive when you apply online and opt to pay at the Post Office; "BBL"means Broadcastle Bank Limited; "Card" means either the ATM card or the accompanying Prepaid MasterCard Card; "Convenience Outlet" means an outlet which sells the Registration Packs; "EPay Outlet" means an outlet which sells EVouchers; "EVoucher" means an electronic device used to put funds onto an Account; "Prepaid MasterCard Card" means the permanent Prepaid MasterCard Card issued to you to run your Account; "PIN" means the unique personal identification number which we provide to you to authorise transactions and to withdraw cash from an ATM; "Registration Pack" or "Pack" means the pack received from a Convenience Outlet containing a Registration Code; "Registration Code" means the number that must be provided online to complete the account opening process; "Retail Outlet" means an outlet which sells the Prepaid MasterCard Card and issues an ATM Card; "Top-up", "Load" or "Reload" means to add money to your Account; "We", "Us" or "Our" means AFL, or APS acting on its behalf; "You" or "Your" means the individual holding the Account. Contact us by: Web: see the web address printed on the reverse of your Card or in the brochure provided with your Card. Post: Customer Services, PO Box 466, Salford, M50 2XU. Telephone: using the telephone number provided on one of the following: your Barcode Letter (if applicable); the letter provided with your Card; the brochure provided with your Card; the website. Calls to a 0871 number will be charged at 10p per minute from BT landlines. Calls will be charged to the nearest second and may be recorded. Calls from other networks or from outside the UK may cost more. Please contact your service provider for details. For information regarding balance, last transactions or account status only Text to 07797 800601. Each text costs your usual network tariff plus 25p which will be charged to your mobile phone. 1. FEES AND CHARGES All Fees and Charges relating to the Card are detailed in the Fees Summary below. These Fees and Charges form an integral part of these Terms and Conditions. 2. APPLYING FOR A PREPAID MASTERCARD CARD 2.1 To apply for a Prepaid MasterCard Card you must be at least 18 years old. We will require proof of your identity and address. We will seek to obtain these either electronically or by you providing 2.2 us with at least two satisfactory forms of documentation. Please see our website or contact us for more details. 2.3 You may apply for some of our Prepaid MasterCard Cards online or by phone. If you opt to have the cash access and cash sharing facilities on your account we will need to verify your identity as set out in 2.2 above. 2.4 If you have a Registration Pack, to open your Account you will need to visit the website detailed in the Registration Pack and follow the on screen instructions. To complete the process you will require your Registration Code. You must register within 365 days of purchasing the Registration Pack. 2.5 To open your Account you will need to pay the relevant Card Issue Fee (not applicable for Registration Packs) and, where applicable, your first Monthly Fee. By opening your Account you are agreeing to these Terms and Conditions. 2.6 We reserve the right to refuse to issue or activate a Prepaid MasterCard Card. 3. ACTIVATING YOUR PREPAID MASTERCARD CARD ACCOUNT 3.1 On activation of your Prepaid MasterCard Card, where applicable, you must destroy your ATM card by cutting it in half. 3.2 We reserve the right to terminate this agreement immediately if you do not activate your Prepaid MasterCard Card within 28 days of the Account Opening Date or Registration Date or we suspect you or any additional cardholder have given false information or are involved in fraudulent or criminal activities. 4. TOPPING UP YOUR ACCOUNT 4.1 If we have not verified your identity and address, the maximum you can pay into your Account is £1,500* in the year after you open your account. If we have verified your identity and address, your maximum Account balance at any one time must not exceed £5,000*. 4.2 Details of how you can top-up are available on our website and in the brochure provided with your Prepaid MasterCard Card. We reserve the right to decline any top-ups and alter the minimum and maximum top-ups from time to time. See our website for the latest information. 4.3 Funds topped-up to your Account at Retail Outlets, e-pay Outlets and by EVoucher will usually be available in minutes, funds topped-up at the Post Office will usually be available the next business day but may take two or more business days. 4.4 Fully verified Prepaid MasterCard Cards require a minimum cumulative annual load of £150*. If you do not meet the minimum load we may not issue you with a replacement Prepaid MasterCard Card.4.5 Funds in your Account will not earn interest. 5. MAKING WITHDRAWALS FROM YOUR ACCOUNT 5.1 If you have opted to have cash withdrawal facilities, you can use your Card with your PIN to withdraw cash from ATMs and at bank counters. A withdrawal fee will apply (see Fees Summary). You may also be subject to any applicable fees, surcharges, rules and regulations of the relevant ATM, or other financial institution or association. It is your responsibility to check any additional fees or surcharges prior to processing your transaction. The maximum combined amount you may withdraw per day via ATM and at bank counters is £500* though lower limits may apply. The purchase of travellers cheques, foreign currency, and similar items is included in this limit. 5.2 Unless we have verified your identity and address, the maximum individual purchase you can make is £600*. 5.3 Subject to the above, you can always use your Prepaid MasterCard Card to purchase goods and services from retailers subject to there being sufficient funds available in your Account and the merchant being able to obtain verification online. From time to time we may impose controls on the use of your Prepaid MasterCard Card in specific market sectors. See our website or the brochure provided with your Prepaid MasterCard Card for full details. 5.4 If you wish to apply to use your Prepaid MasterCard Card for car hire you must contact Customer Services who will advise whether this facility can be made available to you. 5.5 If you use your Card to make a purchase or, where applicable, a cash withdrawal in a currency other than pounds sterling, the transaction will be converted to pounds sterling at the exchange rate applicable at that time. A fee may apply (see Fees Summary). 5.6 You must not spend more money than you have on the account. Any attempt to do so may result in criminal and/or civil action being taken against you. 6. REQUESTING ADDITIONAL CARDHOLDERS 6.1 If you opt for additional cardholder facilities, all additional cardholders must be at least thirteen (13) years old. 6.2 You will be charged a fee for all additional Prepaid MasterCard Cards issued (see Fees Summary). 6.3 You will be responsible for the use of the additional Prepaid MasterCard Cards and for any applicable fees or charges that the additional cardholders may incur. You can cancel the use of an additional Prepaid MasterCard Card on your Account at any time by contacting Customer Services. 6.4 We will not disclose your Account information to the additional cardholder without prior written permission from you. 6.5 The use of their Prepaid MasterCard Card by an additional cardholder will be regarded as confirmation that they accept these Terms and Conditions. 7. KEEPING YOUR CARD, PIN AND REGISTRATION PACK SAFE 7.1 Using your Card and PIN will be the primary way for you to take money out of your Account. 7.2 You must keep your PIN safe, this means: • when you receive your PIN, you must memorise it; • you must keep your PIN and make sure that additional cardholders also keep their PIN secret at all times; • you must not disclose your PIN to anyone including friends, family, our staff or retailers; • you must not write your PIN anywhere; • you must not use your PIN if someone else can see you typing it in. 7.3 If you suspect that someone else knows your PIN, change it as soon as possible. 7.4 If you have forgotten your PIN you must call Customer Services. 7.5 You must keep your Card safe, this means: • you must not give your Card to anyone else; • you must not damage or bend your Card; • you must ensure that you keep your Card in a safe place. 7.6 We are unable to replace a Registration Pack once issued and you are therefore recommended to treat it like cash and register your Pack as soon as possible after purchase. 8. REPORTING LOST AND STOLEN CARDS (NOT APPLICABLE TO REGISTRATION PACKS – SEE CLAUSE 7.6) 8.1 You must call us immediately using the telephone number included on the brochure provided with your Card or the website, 24 hours a day, 7 days a week if: (a) your Card is lost; (b) your Card is stolen; or (c) you find out that your Card is being used in a manner not authorised by you. We will then take action to stop someone else getting access to the money in your Account. 8.2 You will be asked to provide your Card number and other details to help our staff verify they are talking to the correct person. You may also be required to help us, our agents or the police if your Card is lost or stolen or we suspect your Card is being misused. 8.3 If our records show that there is money remaining on your Account, we will cancel your Card and issue a new one to the address on your Account within 14 days (see Fees Summary). 8.4 If we know of, suspect or wish to prevent misuse of your Card we may, without notice: • refuse to approve a transaction; • cancel or suspend your right or an additional cardholder's right to use the Card for all or any purposes; • refuse to replace any Card. These Terms and Conditions will continue even if we do any of these things and we will not be responsible or incur liability for any loss or damage you or an additional cardholder may suffer as a result. 9. REPORTING TRANSACTION DISPUTES 9.1 If you believe that any of the transactions on your Card were unauthorised or incorrectly posted to your Account, you must notify us within 30 days. We will attempt to assist you with any qualifying dispute under the MasterCard® scheme regulations. 9.2 You must attempt to resolve a transaction dispute with the merchant before asking that we pursue the dispute on your behalf. We strongly advise you contact the merchant first as this may lead to a quicker resolution of the dispute. 9.3 We may send you a dispute declaration form which must be completed in full for us to assist you with a transaction dispute. 9.4 We will not refund any sums to you if you have not taken the precautions set out in these Terms and Conditions, in particular keeping your PIN and Card safe. 9.5 You will not receive a refund until our investigation is complete. If the disputed transaction is refunded to your Account, it may later be deducted from your Account if we receive information that proves that the transaction was genuine and 10. 10.1 correct. If our investigations discover that the disputed transaction was genuine and authorised by you or your additional cardholder, we will charge you £12.00. ADVISING CHANGES OF NAME, ADDRESS OR CONTACT DETAILS It is your responsibility to notify us within 14 days of any changes to your or any additional cardholder's name, address and any other applicable contact details such as e-mail address or contact telephone number so that our records are accurate, complete and up to date. You will be liable for any loss or fraud that directly results from any failure to advise us. You can notify Customer Services of any such change. ACCOUNT CLOSURE AND YOUR RIGHT TO CANCEL You have the right to withdraw from this agreement without cause and without penalty for a period of 14 days from the Account Opening Date or, if you bought a Registration Pack, the date on which you submitted your Registration Code. Please note, this will not entitle you to a refund of any transactions you have made or charges made in respect of foreign currency transactions. To cancel your Account within the 14 day period you need to write to Customer Services enclosing proof of purchase (if you bought a Registration pack) and, if a Card has been issued, return the Card, cut in half. To close your Account at any other time you need to write to Customer Services and return the Card cut in half. See our website or contact us for more details. After the 14 day period you are liable for all transactions and fees on your Account until we receive your written notice and your Card, including any additional Cards. Following receipt of your Card(s) we will wait 15 days for transactions to be processed. Once all transactions and fees have been deducted, any balance on your Account will be returned to you subject to you having provided satisfactory confirmation of your identity and address. A cancellation fee will apply (see Fees Summary). As this process may take up to 30 days you may prefer to withdraw funds by ATM or by making purchases at a MasterCard outlet. If your Account has had no transactions for a period of at least one year and it has a zero balance, we reserve the right to close your Account. Before we close your Account we will contact you to advise that we will do this. If your Account is misused, or we suspect misuse of your Account, we reserve the right to close your Account without further notice. PROTECTING YOUR PERSONAL DATA We are the data controller of personal data given to us in connection with your Account. We will process and retain personal data in order to open, administer and run your Account and to deal with any enquiries you have about it. If we suspect that we have been given false or inaccurate information, we may record our suspicion together with any other relevant information. If false or inaccurate information is provided and fraud is identified, details will be passed to fraud prevention agencies to prevent fraud and money laundering. Further details explaining how the information held by fraud prevention agencies may be used can be obtained by contacting Customer Services. APS is the data controller of personal data that it collects for marketing purposes. APS may use third parties to process personal data on its behalf. Personal data may also be transferred confidentially to other organisations within AFL, BBL, the APS group of companies and third parties so that we can run your Account. We may check all personal information given by you with fraud prevention agencies and other organisations, and we may get information about you from credit reference agencies to verify your identity. A record of such enquiries may be left on your file. If you agreed when you applied for your Card, APS or third parties may contact you about offers they believe will be of interest to you. If you no longer wish to receive these updates please contact Customer Services. For details of the information we may pass to third parties, please contact us. If you would like details of the third parties with which we share information about you please contact Customer Services. You have the right, on payment of a fee, to receive details of the personal data we hold about you. Please contact Customer Services. LIABILITY If something which we are not reasonably able to control, including but not limited to defects relating to the Card or Registration Pack, stops or delays us from doing something we are supposed to do under these Terms and Conditions, we will not be responsible for any loss which you may suffer. If you are affected by something which is our fault, we will only be responsible for the loss you suffer as a direct result up to a maximum of the balance on your Account and not for any other loss (for example, loss of reputation). If you have acted fraudulently you will be responsible for all losses on your Account. If you act without reasonable care and this causes losses, you may be responsible for them. Provided you have not acted fraudulently or without reasonable care, you will not be liable for any transactions or fees incurred on your Account if: (a) your Card is used before you have received it, or (b) someone else uses your Card before you report it lost or stolen. In the event that you do not use your Card in accordance with these Terms and Conditions or we find that you are using the Card fraudulently we reserve the right to charge you for any reasonable costs that we incur in taking action to stop you using this Card and to recover any monies owed as a result of your activities. We accept no responsibility or liability for the goods or services that you purchase with your Card or for any product or service discounts arising from the purchase of your card. We accept no responsibility or liability for a merchant refusing to honour a transaction on your Card or failing to cancel an authorisation. From time to time your ability to use your Card may be interrupted, e.g. when we carry out maintenance, for which we will incur no liability. If this happens, you may be unable (a) to use your Card to pay for purchases or obtain cash from ATMs, (b) to top-up your Account, and/or (c) to obtain information about the funds available in your Account and/or about your recent Card transactions. Please notify Customer Services if you have any problems using your Card. The Financial Services Compensation Scheme is not applicable for this Card. No other compensation schemes exist to cover losses claimed in connection with this Card. This means that in the unlikely event that AFL or BBL becomes insolvent your funds may become valueless and unusable and as a result you may lose your money. The funds on AFL issued accounts are held in trust by Royal Bank of Scotland, 5-10 Great Tower Street, London, EC3P 3HX. If you purchase your Card using a debit card and your Account subsequently goes overdrawn you authorise us to claim the amount of the overdraft from your debit card. WHO IS RUNNING MY CARD ACCOUNT? Your Card is issued by AFL or BBL who are authorised and regulated as e-money issuers in the UK by the Financial Services Authority. (www.fsa.gov.uk/register). AFL’s Company number: 06029941. BBL’s Company number: 0542018. Your Card will be operated on their behalf by APS. Company number 04947027. APS and AFL registered offices are situated at 6th Floor, One London Wall, London, EC2Y 5EB. BBL registered office is situated at Sefton Park, Bells Hill, Stoke Poges, Buckinghamshire, SL2 4JS. WHAT HAPPENS WHEN YOUR PREPAID MASTERCARD CARD EXPIRES? We will automatically send you a replacement Prepaid MasterCard Card up to 30 days prior to the expiry date of your current Prepaid MasterCard Card. If you do not receive your replacement Prepaid MasterCard Card please contact Customer Services. We reserve the right to decline to issue a replacement Prepaid MasterCard Card. We will charge you, on or after the date of issue of your replacement Prepaid MasterCard Card, the Annual Fee for your Account (see Fees Summary). We will renew your Prepaid MasterCard Card on the same pricing plan as the expiring Prepaid MasterCard Card. You will be charged a cancellation fee in the event that you request a refund of the remaining funds on your Account once your Prepaid MasterCard Card has expired (see Fees Summary). HOW WILL YOU KNOW ABOUT ANY CHANGES TO THESE TERMS AND CONDITIONS? We may change these Terms and Conditions. All changes, including changes to the figures in 4.1, 4.4, 5.1 & 5.2 marked (*) above, will be posted on our website. If we make any other material changes we will notify you by post at least 30 days in advance, except in exceptional circumstances. If you are significantly disadvantaged by any such change you may cancel your Card or Registration Pack in accordance with our refund policy (see section 12). In such circumstances you will not be charged a Cancellation fee. WHAT LAW APPLIES? English law applies to these Terms and Conditions and English courts will deal with any legal proceedings between us. Your Account is subject to regulatory supervision by the Financial Services Authority. WHAT IF YOU HAVE A COMPLAINT? If you are unhappy with the way your Account is being run you should contact Customer Services so that we can investigate the circumstances as soon as possible. A copy of our complaints procedure is available on request. If we are unable to resolve any complaint through our internal complaints procedure, you may contact the Financial Ombudsman Service at: South Quay Plaza, 183 Marsh Wall, London E14 9SR. Telephone: 0845 080 1800, E-mail: enquiries@financial-ombudsman.org.uk

10.2 11. 11.1

11.2

11.3 11.4 12. 12.1 12.2 12.3 12.4

12.5 12.6 12.7

12.8

12.9 12.10 13. 13.1

13.2 13.3 13.4

13.5

13.6 13.7 13.8

13.9

13.9i 13.10 14.

15. 15.1

15.2 15.3 15.4 15.5 16.

17. 17.1 17.2 18. 18.1 18.2

FEES SUMMARY By using your Card you agree to pay all applicable fees you may incur whilst using your Account. The applicable fees are set out below.

Services
activeplus Account (if applicable)1 Card issue fee Monthly subscription (per account) All purchase transactions flexiplus Account (if applicable)1 Card issue fee Purchase transactions Account maintenance (only applies if Account has no transactions including
top-ups for a period of 120 days from date of last transaction)

Fee
£9.95 £4.95 per month FREE £9.95 £1.00 each £4.95

All Accounts Top-ups by cash2 Check your balance and recent transactions online ATM withdrawal UK ATM withdrawal Non UK Cash withdrawal (at bank) Additional or replacement card Cancellation (for refund of cash value in the Account) Foreign transaction FREE FREE £2.00 £3.00 £3.00 £9.95 Maximum £10.00 2.75% of amount withdrawn/spent

If you wish to change your pricing plan between activeplus and flexiplus please contact Customer Services on 0871 277 5599. If you switch from an activeplus Account to a flexiplus Account within 30 days of activating your Card, we will refund the £4.95 subscription fee. 1 This monthly fee starts applying as soon as your Card is activated. 2 Some top-up outlets may charge an additional fee. Please check at the time you top-up your Account.

CV97CPL/GOLD/1207

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