Card - means the e-money product given to the Cardholder on behalf of the Card Distributor. This is not a credit, charge or debit card.

Transcription

1 YU CARD VISA PREPAID CARD GENERAL TERMS AND CONDITIONS Yu Card is an electronic money product and service issued and operated by Catella Bank S.A. (the Bank ) and distributed by RêvEurope Payments Limited ( Rêv ). By using the Card, the Cardholder gives his/her agreement to the current Terms and Conditions and to any additional terms that may be published on the Website. This document is the entire agreement ( Agreement ) among You (the Cardholder ), RêvEurope Payments Ltd, ("Rêv"), and Catella Bank S.A. (the "Bank") for the Yu Card Visa Prepaid Card Program (the "Card"). The Bank has appointed the Card Distributor as its agent for the purposes of this Agreement. The Cardholder hereby acknowledges that, when agreeing to these General Terms and Conditions, they have not relied on any representation or warranty, which is not set forth herein. The e-money associated with the Card, which is available for the Cardholder to spend, is provided to the Cardholder by the Bank and the Card Distributor shall act as an agent for the Bank. The Cardholder should read these Terms and Conditions carefully and if there is anything that he/she does not understand or does not agree with he/she should contact Customer Services. The Cardholder should keep this document in a safe place for future reference. 1. DEFINITIONS Access Device - means the Visa Prepaid Card, any associated mobile phone activated to access the Card Funds ( Registered Mobile Phone ), or any other Prepaid Card access device. Agreement - means the current general terms and conditions and any amendments to them as notified to the Cardholder. The Cardholder can at any time request to receive a paper copy of the Agreement by contacting the Bank or Rêv. Bank - means Catalla Bank S.A., the issuer of the Card whose registered office is at Parc d Activitiés CAP 2, 38 rue Pafebruch, L-8308 Capellen, Luxembourg registered with the Luxembourg Register of Commerce and Companies under number B Card - means the e-money product given to the Cardholder on behalf of the Card Distributor. This is not a credit, charge or debit card. Card Distributor means the entity that has requested that a Card is issued to the Cardholder, and in this Agreement means BI Worldwide Ltd with registered number whose registered office is at 1 Vantage Court, Tickford Street, Newport Pagnell MK16 9EZ. Card Fund - means the amount of money deposited to the Card by the Card Distributor with Bank, less all fees due from and disposals made by the Cardholder. Cardholder - means the authorised user issued a Card who enters into this Agreement. Credentials - means any, several or all of the following information: the PIN, the Website password the CVV2 Code, the Card s expiry date or the 16-digit card number. CVV2 Code - (Visa) or Card Security code, means a 3-digit card verification value code that represents a digital signature which is required for every online transaction. The code is displayed on the reverse side of the Card. E-Money means the electronic money associated with your Card.

2 Fee(s) - means any fee due by the Cardholder to Us under the current General Terms and Conditions or as published on the Website from time to time. Merchant(s) POS which are participating in the Card Distributor acceptance program for the Card. PIN - means the personal identification number issued by the Bank. POS or Point of Sale - means a business or place where a product or a service can be purchased by means of a Visa Card. SMS Services - means the mobile financial services offered through Rêv that allow the Cardholder to access his/her EMoney balance information using his/her Registered Mobile Phone. We, Us, and Our means the Bank and Rêv. In this Agreement, the terms Bank and Rêv include their successors, affiliates or assignees. Website - means the Internet website available at the web address ( or any other web address communicated by Us or the Card Distributor from time to time. Visa, Visa Electron or Visa PLUS - means the card brand or acceptance mark referring to the international licensor of the Card. 2. OBLIGATIONS OF CARDHOLDER The Cardholder must have attained a minimum age of 18 years. The Cardholder is liable for complying with the current General Terms and Conditions and shall be solely liable for any direct and indirect consequences arising from any breach by the Cardholder of the current General Terms and Conditions. The Cardholder is the authorised user of the Card and is wholly responsible for the use of each Access Device according to the General Terms and Conditions. The current version of the General Terms and Conditions is available on the Website. Usage of the Card constitutes the cardholders acceptance of these terms and conditions. The Card is an electronic means of payment with selected retailers affiliated to the Visa network. The Card is not transferable and shall only be used by the Cardholder strictly in accordance with the current General Terms and Conditions. The Card shall at all times remain the property of the Bank. The Cardholder must sign the Card on the signature panel on the reverse side of the Card immediately upon receipt of the Card. The Cardholder must exercise all possible care to ensure the safety of the Card. The Cardholder is responsible for maintaining the Credentials as strictly confidential and for preventing the Credentials from becoming known to any other person. 3. ISSUE AND USE OF THE CARD This Card, issued to the Cardholder 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 prepaid Visa card and is not a credit card or charge card. The Cardholder must not attempt to use the Card to obtain credit. The available balance on your card will not earn any interest. The Cardholder has the right to withdraw from this Agreement without cause and without penalty for a period of 14 days from the date on which the Cardholder activates his/her Card. If the Cardholder wishes to exercise his/her right of cancellation, the Cardholder may do so by writing to US at Prepaid card Team, BI Worldwide Ltd, 1 Vantage Court, Tickford Street, Newport Pagnell, Bucks MK16 9EZ. If the Cardholder exercises that right within 14 days from the date of activating the Card, any E-Money remaining on the

3 Card shall be returned to the original source of such funds or as otherwise defined by the Card Distributor. If the Cardholder does not exercise that right within such period, the Cardholder will remain bound by the General Terms and Conditions and will be entitled to redeem the Card in accordance with Section 9 of these General Terms and Conditions. The Card can be used for making payments for goods and services either online or at certain Merchants displaying the Visa logo (unless otherwise advised by the Card Distributor). If the Cardholder uses his/her Access Device to rent a vehicle or hotel room, or to make other purchases at Merchants, an authorisation hold on the Cardholder funds may be initiated by Us or the Merchant. An authorisation hold may be initiated for many reasons, such as to satisfy security deposit requirements or to ensure available funds when the Cardholders complete the transaction. The portion of the Cardholder balance subject to an authorisation hold will not be available to pay for other purchases. Where the Cardholder uses the Credentials or uses the PIN at a Merchant s point-of-sale terminal or signs the record of transaction for a purchase the Cardholder gives Us irrevocable authority to pay the retailer or the Bank and to debit the Card Fund. The records of statements sent by the retailer or bank, as the case may be, even in the absence of a written signature, are taken as proof of transaction. The transaction slip printed by the terminal is for the Cardholder s personal information only. In accordance with Luxembourg law, the records of transactions created or received by Us will constitute evidence of the existence, amount and conditions of transactions. If the Cardholder uses the Card number without presenting his/her Card, the legal effect will be the same as if the Cardholder used the Card itself. The amount of any transaction in a currency other than the Card s currency will be converted at Visa s rate at the time the Card Fund is debited. We may apply a currency conversion spread or fee as detailed in the Fee Schedule. Upon use of card, the converted transaction amounts are shown for information only until the transaction has been fully settled within the Visa system, and may change in accordance with currency fluctuations. We will only give the cardholder a refund on a Card Account for a transaction reversed by the retailer. This also applies to recurring transactions which are transactions where the Cardholder agrees to a series of transactions being made from the Cardholder s Card account. If the Cardholder wishes to cancel a recurring transaction he must contact the retailer as we cannot cancel the transaction for the Cardholder. Where the Cardholder makes a purchase, We will assist the Cardholder to gain a refund if the Cardholder did not agree on the amount with the retailer when the Cardholder made the purchase and (a) the amount of the transaction charged to the Card Account by the retailer is more than the Cardholder could reasonably have expected in the circumstances of the purchase; and (b) the Cardholder asks Us for a refund within eight (8) weeks of the bank debited the transaction from the Card Account. If the Cardholder asks us for a refund under this condition the Cardholder must provide Us with factual elements relating to this condition. The Cardholder cannot use a claim he may have against someone else to make a claim against Us, or refuse to pay Us, unless the Cardholder has a legal right to do so. The Cardholder cannot transfer any rights against Us to anyone else. It is not permissible to overdraw the Card Fund. If the Card Fund becomes inadvertently overdrawn, the amount overdrawn must be repaid immediately by the Cardholder. In such situations, We reserve the right to deactivate, suspend or cancel the Card at any time. The Cardholder should keep track of his/her balance. Each time the Cardholder uses his/her Access Device, the Cardholder authorises Us to reduce his/her balance by the amount of the transaction plus applicable fees.. The Cardholder does not have the right to stop payment on any purchase transaction made using his/her Access Devices.

4 If the Cardholder authorises a transaction and then fails to make a purchase of that item as planned, the approval may result in a hold for that amount of funds. The Card is valid for a maximum period of two (2) years. The Card may be reloaded by the Card Distributor only during its period of validity subject to the applicable limits. Any attempted transactions using the Card beyond the validity date will be declined. The Cardholder should destroy expired Cards. The Cardholder is fully liable to Us for all transactions made by means of the Card after the end of the validity period. After expiry and if there are E-Money funds on the card, We will charge a monthly Admin fee for the Card as stated in the Fee Schedule. Each Cardholder is limited to one account per individual and the account cannot be registered on a corporation s behalf. The Cardholder will not earn interest at any time on the Card Funds. If the Card Fund is not sufficient to cover any Fee due by the Cardholder to Us under the current General Terms and Conditions, We reserve the right to deactivate, suspend or cancel the Card until sufficient coverage is provided. 4. CARD LOAD / RELOAD Only the Card Distributor may reload your Card. 5. KEEPING TRACK OF CARD BALANCE Transaction History : Information can be accessed online via the Website or by contacting Customer Service. Balance Enquiry : Information regarding the Card Fund is available online via the Website, by contacting Customer Service or via SMS Services. 6. THEFT, LOSS OR MISUSE OF THE CARD In the event of the Card being lost or stolen, in case of improper use of the Card noticed by the Cardholder or in the event of intentional or unintentional disclosure of any, several or all of the Credentials, the Cardholder must immediately notify Us by contacting Customer Service as set forth at clause 22. Alternatively, the Cardholder may access their online account at the Website and immediately register the Card as Lost or Stolen (on a 24/7 basis). Note that a Cardholder s Registered Mobile Phone is an Access Device, and therefore its loss or theft must also be reported to Us if the Cardholder is enrolled in SMS Services. The notification must be made by the Cardholder personally, except in case of force majeure. With respect to the notification, the Cardholder is liable for providing accurate and complete information to Us, in particular without limitations: the Cardholder s first name and last name; and/or the number of the Card. The Cardholder shall be fully liable for any consequences arising from any incorrect, obsolete or incomplete information provided to Us. The Card will be immediately blocked upon receipt of the notification. The Cardholder may request a Replacement Card and a replacement card fee may be assessed, per the Fee Schedule. The Cardholder shall bear all the losses relating to any unauthorised transactions, up to a maximum of 150, resulting from the misuse of the Card or the use of a lost or stolen Card. The Cardholder shall bear all the loses relating to any unauthorised transactions if the Cardholder incurred them by acting fraudulently or by failing to fulfil one or more of his obligations under clause OBLIGATIONS OF CARDHOLDER or THEFT, LOSS OR MISUSE OF THE CARD with intent or gross negligence. In such cases, the maximum amount of 150 shall not apply. The Cardholder shall not bear any financial consequences resulting from the use of the misused, lost or stolen card after notification except where the Cardholder has acted fraudulently. If the Cardholder finds the Card after the notification, the Card must be cut in two

5 (2) and returned to Us (at the aforementioned address) immediately. If the Cardholder s Card transaction history shows transactions that the Cardholder did not authorise, the Cardholder must notify Customer Service immediately. If the Cardholder fails to notify Customer Service of unauthorised transactions on his/her Card within thirteen (13) months after the transaction history was available to the Cardholder, the Cardholder shall not be entitled to recover any Card Funds if We can prove that We could have prevented the unauthorised transaction(s) if the Cardholder had notified Customer Service in time. 7. OUR LIABILITY FOR FAILURE TO COMPLETE TRANSACTIONS If We do not complete a transaction to or from the Card on time or in the correct amount according to this Agreement, We will be liable for losses or damages, subject to the terms of this Agreement and to the extent required by law. There are some circumstances where We will not be liable, including, without limitation: if there is an authorisation hold, or the Card is subject to legal process or other encumbrance restricting its use; if the Cardholder does not have enough funds in the Card balance to complete a transaction; if the, POS terminal, network, or system involved in the transaction did not work properly; if the Registered Mobile Phone fails to send or receive SMS messages; if We are prohibited by law or network rules from completing a transaction; if circumstances beyond our control (for example, natural disasters, earthquakes, fires, floods, war, or acts of terrorism) prevent the completion of the transaction; if a Merchant refuses to accept the Cardholders Access Device; if the Cardholder provided inaccurate or incomplete information regarding a transaction; if access to the Cardholders funds is blocked after they reported the Access Device lost or stolen; if a Merchant authorises an amount in excess of the purchase amount; if We have reason to believe the requested transaction is suspicious, fraudulent, or unauthorised; or for any other exception stated in this Agreement. 8. WITHDRAWAL OF THE USE OF THE CARD We may, in Our discretion, at any time and without notice, deactivate, cancel or suspend the right to use the Card or refuse to reissue or renew or replace a Card if We have reasonable grounds to believe that the Cardholder is in breach of (a) the General Terms and Conditions, and/or (b) any applicable local legislation/ regulations, without affecting the Cardholder s obligations which shall continue to be operative. In such an event, the Card must be returned immediately to Us. We will not accept any liability for the direct or indirect consequences arising from any deactivation, suspension or cancellation of a Card in accordance with the terms of the current General Terms and Conditions. In addition, We may, in Our discretion and at any time, refuse to authorise a transaction and may publicly disclose the refusal to other credit institutions. 9. REDEMPTION Our redemption regulations are strict. We strongly recommend that rather than requesting that the Card Funds are returned to the Cardholder, the Cardholder empties the Card by using the Card until the Card Fund is exhausted. The Cardholder may cancel his/her Card without penalty during the first 14 days from the date of receipt of the Card. To cancel a Card, call Customer Service. Following receipt of the Cardholder s notice to cancel his/her Card We will wait 10 days for transactions to be processed. Once all transactions and fees have been deducted, any balance on the Card shall be returned to the original source of such funds or as otherwise defined by the Card Distributor ) 10. PROVISION OF SMS SERVICES

6 SMS Services means using the Cardholders Registered Mobile Phone to perform a balance inquiry. The balance provided in balance inquiries may differ from the Cardholder s actual balance due to loads in progress, charges, fees, or outstanding payments. Balances are updated periodically and SMS Services will provide the most current balance available at the time the Cardholder performs a balance inquiry. SMS Services may be provided using Short Message Service ( SMS, or text messaging) or by other electronic means, including software applets which the Cardholder may be required to install on his/her Registered Mobile Phone. The Cardholder may be required to create a user name and profile, undergo a verification procedure and provide certain key phrases and/or identification numbers in order to set up his/her mobile phone for use of SMS Services, and to verify his/her identity to Rêv and to other users of SMS Services when he/she uses SMS Services. The Cardholder should not share his/her key phrases and identification numbers with anyone. The Cardholder may choose to withdraw from SMS Services at any time by contacting Customer Services. The Cardholder may subsequently re-enrol for SMS Services via the Website or by contacting Customer Services, and this Agreement will govern any such re-enrolment. 11. USING SMS SERVICES Once the Cardholder has provided instructions to perform SMS Services he/she will not be able to reverse the requested SMS Service except as described in Theft, Lost or Misuse of the Card (Clause 6). The Cardholder is responsible for correctly entering all information into his/her Registered Mobile Phone when performing SMS Services. We will carry out SMS Services only if they are performed in accordance with relevant security procedures implemented by Us, such as using a SMS PIN. If the Cardholder uses SMS Services, We ask that the Cardholder deletes all text messages sent to SMS Services from his/her Registered Mobile Phone s text message outbox and sent box, and that he/she modifies his/her Registered Mobile Phone s settings so that outgoing text messages are automatically deleted. The Cardholder is also advised to lock his/her Registered Mobile Phone with a password or number code whenever it is not in use, so that his/her personal information is not accessible by others. Text messages that the Cardholder uses for SMS Services are no more secure than regular text messages. Rêv and Our affiliated companies have designed Our information technology systems to reduce the incidence of fraud. However, we cannot warrant that a third party will not intercept any text messages used in conjunction with SMS Services. 12. NO REPRESENTATION OR WARRANTIES THE SMS SERVICES ARE PROVIDED BY RÊV UNDER LICENSE AND ARE MADE AVAILABLE AND PROVIDED AS IS EXCEPT AS EXPRESSLY PROVIDED HEREIN. WE MAKE NO REPRESENTATION OR WARRANTY WITH RESPECT TO THE SERVICES PROVIDED UNDER THIS AGREEMENT, WHETHER EXPRESS OR IMPLIED, WRITTEN OR ORAL, ARISING FROM COURSE OF DEALING, COURSE OF PERFORMANCE, USAGE OF TRADE, OR OTHERWISE, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF TITLE, MERCHANTABILITY, AND FITNESS FOR A PARTICULAR PURPOSE. DUE TO THE NATURE OF THE MOBILE COMMUNICATIONS SYSTEM, WE CANNOT GUARANTEE THAT ANY INFORMATION THE CARDHOLDER TRANSMITS OVER THE MOBILE COMMUNICATIONS NETWORK DURING THE USE OF SMS SERVICES WILL REMAIN SECURE OR WILL BE PROPERLY DELIVERED. We make no representation, guarantee, or warranty that any user of SMS Services is indeed who they purport to be or that they will complete transactions undertaken in connection with SMS Services. We do not warrant that any transactions performed using SMS Services will be processed in a timely or proper manner by any third parties involved in the processing of such transactions. We do not warrant that SMS Services will be available through the Cardholders mobile carrier. 13. FEES

7 The Cardholder agrees to pay all applicable fees for the use of the Card, Access Devices and SMS Services. The Fee Schedule contains the fees for use of the Access Devices and SMS Services. All other fees and charges will be debited directly to the card as they arise. Fee Name Description Rate FX % Foreign Exchange mark-up on Visa authorization currency to GBP 4% Card Replacement Card Replacement Fee in the event Card is Lost or Stolen 10 Admin fee Monthly administration fee assessed after card expiry 5 Disputed transaction Disputed Transaction Investigation fee 20 We reserve the right to change these fees and any other terms of this Agreement upon providing sixty (60) days notice to the Cardholder. The Cardholder has the right to terminate the contract immediately and without charge before the date of the application of the changes otherwise he/she is deemed to have accepted those changes. The most current fees will always be on the Website. For SMS Services, such fees shall be in addition to the fees charged to the Cardholder by his/her mobile carrier; the Cardholder should please review his/her user agreement with his/her mobile carrier to determine his/her current fees for SMS messaging. 14. MODIFICATIONS We reserve the right to change (1) the current General Terms and Conditions, (2) the characteristics and features of the Card and (3) the Fees at any time by informing the Cardholder at least sixty (60) days before the date of application of changes. The new General Terms and Conditions/Card s characteristics and features/fees will be made available on the Website at least one (1) month before their entry into force. The Cardholder hereby: (a) acknowledges that his/her relationship with Us is as least partially based on electronic communications, made in particular through the Website and deems this means of communication appropriate to the nature of his/her relationship with Us; (b) declares that he/she will consult the Website regularly; and (c) agrees to be informed of any such change by means of the Website. Should the Cardholder oppose such change, the Cardholder shall have the right to terminate the current General Terms and Conditions immediately by returning the Card to Us before the entry into force of the proposed change and shall be entitled to receive the then available Card Funds due under the current General Terms and Conditions by notifying the termination and keep using the card until exhausted or having your balance redeemed according to the conditions set herein. Continued use of the Card and the associated services after the entry into force of the proposed changes shall constitute the Cardholder s consent to such changes. 15. DATA PROTECTION The Cardholder hereby gives consent to the Bank and Rêv to collect, process and share personal data on the Cardholder (1) insofar as necessary to verify the Cardholder s identity, issue and service the Card

8 and/or (2) as necessary for the performance of Our duties and only within the scope of Our services towards the Cardholder. The data will be communicated to other banks and financial intermediaries as necessary to perform the transactions made by means of the Card and/or as necessary to service the Card. The circumstances for disclosure of any information or records by the Bank includes requests by Rêv or any of its subsidiaries or affiliates or any orders by any competent court or if failure to disclose would render the Bank or any of its affiliates, personnel, assets or operations liable to any sanction. The Cardholder has the right to access and rectify their data by contacting Us. A retrieval fee will be charged to cover Our cost for accessing information on data more than once a year as detailed in the Fee Schedule. The data will be retained for the period provided for by the applicable law/regulations. We reserve the right to process data in countries outside the European Union, including the United States of America for internal administration purposes. Rêv adheres to the Safe Harbor requirements published by the U.S. Department of Commerce, including the Safe Harbor Privacy Principles, pertaining to personal information of customers. By entering into this Agreement, the Cardholder confirms that he/she is fully aware of and willing to assume all risks resulting therefrom and hereby irrevocably waives his rights to benefit from the protection of Luxembourg banking privacy at the entire discharge of the Bank with regard to all services provided to the Cardholder. 16. RECORDING OF PHONE CONVERSATIONS AND ELECTRONIC COMMUNICATIONS The Cardholder acknowledges and agrees that the Bank or Customer Service has the right to register and keep records of telephone and electronic communications. The right to register and keep any record of such communications shall not trigger any liability by Us. 17. ANTI-MONEY LAUNDERING COMPLIANCE In accordance with applicable legislation to fight money laundering and financing of terrorism the source of Card funding is subject to proper Know-your-business identification by Us. 18. APPLICABLE LAW / JURISDICTION The current General Terms and Conditions shall be exclusively governed by and interpreted in accordance with the laws of Luxembourg. We will communicate with the Cardholder in English. The Bank is authorised as a credit institution supervised by the Luxembourg regulatory authority, the Commission de Surveillance du Secteur Financier (the CSSF ), situated at 110, route d Arlon, L-2991 Luxembourg, Grand Duchy of Luxembourg. Bank is registered with the Luxembourg Register of Commerce and Companies under number B If there is any dispute, controversy or claim arising in connection with a Card and/or the current General Terms and Conditions, the parties shall negotiate in good faith to attempt to resolve the dispute. If the parties are unable to resolve the dispute, then, the dispute, controversy or claim shall be exclusively settled by the courts of the district of Luxembourg. Nevertheless, We may appeal to any other jurisdiction which would be judged competent. Without prejudice to any legal procedure available to the Cardholder under Luxembourg law, the Cardholder may submit any dispute arising out of the present Agreement to the CSSF which is competent to settle such dispute amicably. 19. BANK LIABILITY To the maximum extent permitted under law the Bank shall not be liable for any direct or indirect damages if the Card or a specific transaction is refused or not honoured by a Merchant or a bank.. We do not bear any responsibility for errors committed by Merchants or banks or ATMs. We will not be obliged to enter

9 into any dispute arising between the Cardholder and a Merchant or bank and, moreover, a dispute with a Merchant or bank does not absolve the Cardholder from complying with regulations governing the use of the Card and the current General Terms and Conditions. We shall not be liable if We are unable to perform Our obligations under this Agreement due (directly or indirectly) to the failure of any machine, data processing, system or transmission link or to industrial dispute, altered legislation or license requirements or anything outside Our control or the control of the Banks agents or contractors. Without prejudice to the above, Our liability in relation to the Card, the associated services and the current general Terms and Conditions shall be limited to gross negligence or serious misconduct or wilful default. In any event, Our liability under or in connection with this Cardholder Agreement is limited to the greater of: (i) The amount of fees paid to the Bank in the twelve (12) months prior to the liability arising; or (ii) The value of the Transaction or the stored balance giving rise to the dispute. 20. SAFE GUARDING OF CARD FUNDS The Financial Services Compensation Scheme does not apply to this Card. No other compensation schemes exist to cover any potential losses claimed in connection with this Card. Therefore, in the unlikely event that Bank becomes insolvent funds held on the Card may become valueless and unusable and as a result You may lose Your money. THE FUNDS ON YOUR ACCOUNTS ARE HELD IN TRUST BY CATELLA BANK S.A., the issuer of the Card whose registered address is Parc d Activitiés CAP 2, 38 rue Pafebruch, L-8308 Capellen, Luxembourg. Catella Bank S.A. is registered with the Luxembourg Register of Commerce and Companies under number B FOREIGN TRANSACTIONS All transactions in foreign currency, including international purchases will be converted into GBP and the Cardholder agrees to accept the converted amount. The applicable card association (Visa) will use its currency conversion procedures in effect when processing the transactions. The currency conversion rate will be a rate selected by Visa, as applicable, from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate the card association itself receives or the government mandated rate in effect on the date the Cardholder used the Card or Access Device. We do not set the currency conversion rates. The Cardholder agrees to pay Us the transaction fees for transactions in foreign currency set forth in the Fee Structure. 22. CONTACTING CUSTOMER SERVICE; BUSINESS DAYS For customer service, additional information, or questions regarding Your Card, Access Devices or SMS Services; for changes to Your address or other contact information; please visit (the Website ) or contact Customer Service at or us at info@youcard.co.uk; if dialling from outside the UK, please call on For purposes of this Agreement, business days are defined as Monday through Friday. Public holidays are not included.

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