CHANGES TO THESE TERMS Clause Samples

CHANGES TO THESE TERMS. We may need to change these terms to reflect changes in law or best practice or to deal with additional features which we introduce or to meet specific requests from our Customers. We will give you at least ten (10) days notice of any change by sending you an SMS or email with details of the change or notifying you of a change when you next start the App. If you do not accept the notified changes you will not be permitted to continue to use the App and the Service.

CHANGES TO THESE TERMS. 2.1 Changes to these Terms: We may need to change these Terms from time to time to: 2.1.1 comply with law or regulations; 2.1.2 reflect changing market conditions; or 2.1.3 meet our changing business requirements. 2.2 Changes to our Regular Payments Service If your Contract is for our Regular Payments Service: 2.2.1 we will notify you in writing (either by email or post) of any proposed changes to these Terms and the Contract at least two months before the changes are to take effect. However, we may apply a change in exchange rate that is based on a change to a reference exchange rate or is more favourable to the customer immediately and without notice provided that this change is applied in a non-discriminatory manner; 2.2.2 such changes will come into effect provided you do not notify us that you are opposed to the change before the date specified; 2.2.3 you will be deemed to have accepted the changes, unless you notify us otherwise; and 2.2.4 you and we have the right to terminate the Contract without charge, at any time before the proposed date of the change.

CHANGES TO THESE TERMS. 16.1 We may add reward partners and reward benefits and make non-material changes to these terms at any time without giving prior notice to you. 16.2 We may vary the number of points required to purchase a specific reward at any time without giving you prior notice. However, we will give you at least 60 days’ notice if we choose to significantly increase the number of points required to redeem rewards as a whole unless this increase is as a result of an increase in the cost to us in providing such rewards. 16.3 We may remove rewards which we believe are not material to the program without prior notice. This may include the removal of certain rewards partners and/or the removal of certain reward products supplied by those partners. For rewards and reward partners which we do consider material to the program we may remove such rewards on giving you no less 90 days prior notice provided that we shall not be obliged to give you notice if the removal was required by law. 16.4 We may suspend the program on giving you reasonable notice unless required to do so by law or to protect our systems in which case we shall not be required to give you notice. We may terminate the program at any time provided we give you 90 days prior notice unless we are required by law to terminate the program in which case we shall not be required to give you prior notice. 16.5 We may change the fees payable under the program or the standard point’s accrual rates applicable to the Card on giving you 90 days prior written notice. 16.6 We may make other material changes to these terms and conditions by giving you at least 30 days’ notice.

CHANGES TO THESE TERMS. 24.1 The Bank may make changes to any of these Terms including the Bank’s Charges on giving at least the same amount of notice specified in paragraph 23.4 (In the case of 23.4.1 where a Notice Accounts requires more than 30 days’ notice, the Bank may make changes that do not impact the notice period or the interest rate to the detriment of the Client) above by circular or any other appropriate means (including by ▇▇▇▇▇▇▇▇▇▇▇ Online, by post, email, a message on the Client’s statement, or in another way that will be sent to the Client individually) to affected Clients. 24.2 If for any legal or regulatory reasons, the Bank is required to make any changes which have immediate effect, the Bank will place a notice on the Bank’s website and send written notice to each Client. 24.3 Changes will be posted on the Bank’s website ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ within a reasonable period and may be separately notified to the Client. 24.4 In respect of Notice Accounts, interest is calculated on a daily basis commencing on the day of receipt of cleared funds into the account. Interest will then accrue up to but excluding the day of withdrawal. Interest will be credited at the end of March, June, September and December and on closure or at the end of the notice period once reached. The interest rate calculation of Sterling accounts is calculated over 365 days and for US dollar and Euro accounts is calculated over 360 days.

CHANGES TO THESE TERMS. These terms may be updated from time to time. If an update negatively affects you, we will use our reasonable efforts to let you know about the updated terms. By continuing the RTO Plan after we have updated these terms, you are agreeing to the updated terms.

CHANGES TO THESE TERMS. 9.1. Subject to the remainder of this clause, Paua may amend these Terms from time to time by publishing an updated version on the Paua website. Please check the terms published on the Paua website periodically for changes. Your continued use of Paua Services following publication of updated Terms confirms your acceptance of the updated Terms. 9.2. The changes Paua can make to these Terms, without your authorisation, are limited to changes: 9.2.1. that are generally beneficial to, or do not have any adverse impact on, users of the Services; and/or 9.2.2. that are required to reflect changes to applicable law. 9.3. Paua will notify you via an email to your Fleet Manager if any updates to the Terms are not covered by clause 9.2 above. Your continued use of your Paua Account after such email notification confirms your acceptance of the updated Terms.

CHANGES TO THESE TERMS and Conditions We may change these terms and conditions. The following are included in the types of changes we may make (but we may make other changes not listed here): • change or introduce fees; • change the Earn Rate or the ways you can earn points; • change the Conversion Rate; • change the Redemption Options available or the way you can redeem points; and • change the transfer options available. We can make these changes even if they are not prompted by something a Redemption Partner or a Loyalty Programme Partner has done. Our main reasons for making changes We can make changes to the terms and conditions, including by changing or introducing fees, for any of the following reasons: • where the costs to us of providing the Programme change or we have a good reason to expect that they will change; • where we change the way you can use your Card Account; • where we are changing the card benefits offered with your Card Account; • where the change is either neutral or is good for you (including where we are making the change to expand the Programme, the Redemption Options, transfer options or the Rewards available, or to make the terms and conditions clearer or fairer); • to reflect changes or developments in the technology or systems which we use; • to reflect changes in the Rewards that Redemption Partners or the transfer options that Loyalty Programme Partners are able or willing to provide in the wider market; or • to reflect a change in law, regulation or industry codes of practice (including where we have a good reason to expect a change), or to reflect a decision by a court, regulator or the Financial Ombudsman Service (or equivalent). We will only make changes if we reasonably believe the overall benefits associated with your Card Account still represent good value and are competitively priced. Telling you about changes We will usually give you at least 30 days' notice before making the change if we believe the change is disadvantageous to you. An example of a disadvantageous change would be where we seriously reduce the range or types of Redemption Options available so that your choice is much more limited than before. If the change is to your advantage, we will still tell you about it, but we may make the change before we do so. We will give you any such notice by statement message, post, email or other form of electronic communication (where you have indicated your consent by opting in to receive such electronic communications). What you can do...

CHANGES TO THESE TERMS. 37.1 The present Terms may change from time to time, including but not limited to cases of changes in our Services, in technology, in regulation and for any other case that the Company deems as appropriate to take measures. In case of a change, we will provide you notice of such change by e-mail and by posting the updated Terms on our website and changing the "Last Updated" date at the bottom of these Terms. Any amended Terms shall become effective no earlier than five days after they are posted and shall apply prospectively to the use of the Services upon the effectiveness of such changes. However, in case the changes address new functions of the Company’s Services or they are made for any legal reasons, they shall be of immediate effect. Upon the effectiveness of the change, as described above, the change of Terms shall be considered as accepted by you in case you continue using the Services. Therefore, in case you do not agree to any amended Term, you must immediately cease using the Services.

CHANGES TO THESE TERMS. 15.1. Pilot Works may vary these terms at any time upon giving you prior written notice. 15.2. If any proposed change in these terms puts you at a material disadvantage you may send us a written objection, in which case, the change will not be binding on you. 15.3. Any such written objection must be sent within 14 days of the the notice Pilot Works sends you. 15.4. This clause does not apply if it would violate the terms of a framework agreement of which this agreement forms a part.