Common use of Changes to this Agreement Clause in Contracts

Changes to this Agreement. 9.1 We will from time to time need to change the terms of this Agreement. We can anticipate some of the reasons why it’d be fair for us to do this, and have listed them below, but may in the future also want to make changes for other reasons. 9.2 We can make a change to this Agreement for any reason (including the following), with any change being a reasonable and proportionate response to a change that is affecting us or that we reasonably think will affect us: 9.2.1 a change in legal or regulatory requirements (including industry codes and decisions of the Financial Ombudsman Service, a regulator or court), or in the payment systems generally. For example we may have to change our requirements for keeping your E-Money Account safe to meet new, higher standards set by law; 9.2.2 if the change benefits you, for example when introducing new products or services or improving existing ones; 9.2.3 to reflect a change in our costs of running your E-Money Account or providing you with related services, or to change the way charges for services and products are made (to reflect the way users use them), for example, by introducing a new fee; 9.2.4 technology developments (or expected developments) (including the systems used to run the business) or in response to possible risks to the security of your E-Money Account, for example by changing the security steps you need to follow to access your E-Money Account or submit an Order or E-Money Order; or 9.2.5 to respond to any other change that affects us, if it’s fair to pass on the effects of the change to you, for example to reflect developments in cross-border payments. 9.3 We may make changes for any other reason we cannot foresee, for example to respond to changes among our competitors that affect how we wish to deliver our services to you. 9.4 We shall notify you of any change to this Agreement in writing (either by post or email). The proposed change shall come into effect automatically on the date stated in our notice, such date to be at least two (2) weeks after the date of receipt of our notice. 9.5 You can then tell us at ▇▇▇▇@▇▇▇▇▇.▇▇▇ that you wish to end this Agreement (and close your E-Money Account) before the change takes effect; otherwise, you’ll be treated as having accepted the change.

Changes to this Agreement. 9.1 8.1 We will from time to time need to change the terms of this Agreement. We can anticipate some of the reasons why it’d be fair for us to do this, and have listed them below, but may in the future also want to make changes for other reasons. 9.2 8.2 We can make a change to this Agreement for any reason (including the following), with any change being a reasonable and proportionate response to a change that is affecting us or that we reasonably think will affect us: 9.2.1 8.2.1 a change in legal or regulatory requirements (including industry codes and decisions of the Financial Ombudsman Service, a regulator or court), or in the payment systems generally. For example we may have to change our requirements for keeping your E-Money Account safe to meet new, higher standards set by law; 9.2.2 8.2.2 if the change benefits you, for example when introducing new products or services or improving existing ones; 9.2.3 8.2.3 to reflect a change in our costs of running your E-Money Account or providing you with related services, or to change the way charges for services and products are made (to reflect the way users use them), for example, by introducing a new fee; 9.2.4 8.2.4 technology developments (or expected developments) (including the systems used to run the business) or in response to possible risks to the security of your E-Money Account, for example by changing the security steps you need to follow to access your E-Money Account or submit an Order or E-Money Order; or 9.2.5 8.2.5 to respond to any other change that affects us, if it’s fair to pass on the effects of the change to you, for example to reflect developments in cross-border payments. 9.3 8.3 We may make changes for any other reason we cannot foresee, for example to respond to changes among our competitors that affect how we wish to deliver our services to you. 9.4 8.4 We shall notify you of any change to this Agreement in writing (either by post or email). The proposed change shall come into effect automatically on the date stated in our notice, such date to be at least two (2) weeks months after the date of receipt of our the notice, unless you tell us that you want to close your E-Money Account and terminate this Agreement prior to that date. If you do not want to be treated as accepting a proposed change, you must, before the change comes into effect, tell us that you want to close your E-Money Account and terminate the Agreement with us. We will not make any termination charge if you terminate the Agreement in these circumstances. If you do not tell us that you want to close your E-Money Account and terminate the Agreement with us before the date the change comes into effect, we will assume you have accepted the change notified to you. 9.5 8.5 You can then tell us at ▇▇▇▇@▇▇▇▇▇.▇▇▇ that you wish to end this Agreement (and close your E-Money Account) before the change takes effect; otherwise, you’ll be treated as having accepted the change.

Changes to this Agreement. 9.1 We will from time to time need to change the terms of 22.1 As this Agreement. We can anticipate some Agreement has no fixed end date, we cannot predict all of the reasons which could mean that we might change the way that we calculate interest, the fees or other terms, but we have set out specific reasons why it’d we might do so below. Any change we make will be fair for us reasonably proportionate to do thisthe impact of the underlying change on us. We will not make changes to cover the same cost twice, and we will always ensure that: (a) we have listed them a valid reason for making the change (even if it is not one of the reasons set out below, but may in ); (b) we will tell you about the future also change before we make it; and (c) we will let you end the Agreement without charge if you do not want to accept the change. 22.2 We may make changes for other reasons. 9.2 We can make a change to this Agreement for any reason Agreement, including to the interest rate(s) that apply to your (including the following), with any change being a reasonable and proportionate response to a change that is affecting us or that we reasonably think will affect us: 9.2.1 a change in legal or regulatory requirements (including industry codes and decisions of the Financial Ombudsman Service, a regulator or court), or in the payment systems generally. For example we may have to change our requirements for keeping your E-Money Account safe to meet new, higher standards set by law; 9.2.2 a) if the change benefits you, for example when introducing new products is favourable to you or services or improving existing onesmakes the terms easier to understand; 9.2.3 (b) if our costs for providing your Account (including how much we have to pay to borrow funds to lend to you when you use it) have increased or we expect them to; (c) if we are introducing a new service, feature or benefit with your Account; (d) to reflect changes in the banking and financial system, technology or the systems used to run your Account; (e) if we have a good reason to think that your personal circumstances have changed, such as your credit risk (which may be based on our assessment of your Account or by reference to external credit reference data), which means there is a greater risk that you will not be able to repay us; or (f) to reflect a change in our costs law, regulation or industry codes of running 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. 22.3 If we make a change to the way that we calculate and/or apply the interest rate, the change will only affect new Repayment Plans and any changes you make to Repayment Plans. 22.4 We will give you at least 30 days' notice of a change, unless the change is not to your E-Money Account or providing disadvantage, when we may give you with related servicesless notice. We will tell you by including a message in your Statement, or by sending you a message via the Mobile App. 22.5 If we are increasing the interest rate applicable to change new or changed Repayment Plans on your Account and you don't want to accept the way charges for services new rate, you can tell us this within 60 days of us notifying you of the change, and products are made (you can repay what you owe us with a view to reflect the way users use them), for example, by introducing a new fee; 9.2.4 technology developments (or expected developments) (including the systems used to run the business) or in response to possible risks to the security of closing your E-Money Account, for example by changing the security steps but you need will no longer be able to follow to access your E-Money Account or submit an Order or E-Money Order; or 9.2.5 to respond to any other change that affects us, if use it’s fair to pass on the effects of the change to you, for example to reflect developments in cross-border payments. 9.3 We may make changes for any other reason we cannot foresee, for example to respond to changes among our competitors that affect how we wish to deliver our services to you. 9.4 We shall notify you of any change to this Agreement in writing (either by post or email). The proposed change shall come into effect automatically on the date stated in our notice, such date to be at least two (2) weeks after the date of receipt of our notice. 9.5 You can then tell us at ▇▇▇▇@▇▇▇▇▇.▇▇▇ that you wish to end this Agreement (and close your E-Money Account) before the change takes effect; otherwise, you’ll be treated as having accepted the change.

Changes to this Agreement. 9.1 We will from time to time need to change the terms of 22.1 As this Agreement. We can anticipate some Agreement has no fixed end date, we cannot predict all of the reasons which could mean that we might change the way that we calculate interest, the fees or other terms, but we have set out specific reasons why it’d we might do so below. Any change we make will be fair for us reasonably proportionate to do thisthe impact of the underlying change on us. We will not make changes to cover the same cost twice, and we will always ensure that: (a) we have listed them a valid reason for making the change (even if it is not one of the reasons set out below, but may in ); (b) we will tell you about the future also change before we make it; and (c) we will let you end the Agreement without charge if you do not want to accept the change. 22.2 We may make changes for other reasons. 9.2 We can make a change to this Agreement for any reason Agreement, including to the interest rate(s) that apply to your (including the following), with any change being a reasonable and proportionate response to a change that is affecting us or that we reasonably think will affect us: 9.2.1 a change in legal or regulatory requirements (including industry codes and decisions of the Financial Ombudsman Service, a regulator or court), or in the payment systems generally. For example we may have to change our requirements for keeping your E-Money Account safe to meet new, higher standards set by law; 9.2.2 a) if the change benefits you, for example when introducing new products is favourable to you or services or improving existing onesmakes the terms easier to understand; 9.2.3 (b) if our costs for providing your Account (including how much we have to pay to borrow funds to lend to you when you use it) have increased or we expect them to; (c) if we are introducing a new service, feature or benefit with your Account; (d) to reflect changes in the banking and financial system, technology or the systems used to run your Account; (e) if we have a good reason to think that your personal circumstances have changed, such as your credit risk (which may be based on our assessment of your Account or by reference to external credit reference data), which means there is a greater risk that you will not be able to repay us; or (f) to reflect a change in our costs law, regulation or industry codes of running 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. 22.3 If we make a change to the way that we calculate and/or apply the interest rate, the change will only affect new Repayment Plans and any changes you make to Repayment Plans. 22.4 We will give you at least 30 days' notice of a change, unless the change is not to your E-Money Account or providing disadvantage, when we may give you with related servicesless notice. We will tell you by including a message in your Statement, or by sending you a message via the Mobile App. 22.5 If we are increasing the interest rate applicable to change new or changed Repayment Plans on your you of the way charges for services change, and products are made (you can repay what you owe us with a view to reflect the way users use them), for example, by introducing a new fee; 9.2.4 technology developments (or expected developments) (including the systems used to run the business) or in response to possible risks to the security of closing your E-Money Account, for example by changing the security steps but you need will no longer be able to follow to access your E-Money Account or submit an Order or E-Money Order; or 9.2.5 to respond to any other change that affects us, if use it’s fair to pass on the effects of the change to you, for example to reflect developments in cross-border payments. 9.3 We may make changes for any other reason we cannot foresee, for example to respond to changes among our competitors that affect how we wish to deliver our services to you. 9.4 We shall notify you of any change to this Agreement in writing (either by post or email). The proposed change shall come into effect automatically on the date stated in our notice, such date to be at least two (2) weeks after the date of receipt of our notice. 9.5 You can then tell us at ▇▇▇▇@▇▇▇▇▇.▇▇▇ that you wish to end this Agreement (and close your E-Money Account) before the change takes effect; otherwise, you’ll be treated as having accepted the change.

Changes to this Agreement. 9.1 We will from time to time need to change the terms of this Agreement. We can anticipate some of the reasons why it’d be fair for us to do this, and have listed them below, but may in the future also want to make changes for other reasons. 9.2 We can make a change to this Agreement for any reason (including the following), with any change being a reasonable and proportionate response to a change that is affecting us or that we reasonably think will affect us: 9.2.1 because of a change in legal or regulatory requirements (including industry codes and decisions of the Financial Ombudsman Servicerequirements, a regulator or court), or in the payment systems generally. For for example we may have to change our requirements for keeping your E-Money Account safe to meet new, higher standards set by law; 9.2.2 if the change benefits you, for example when introducing new products or services or improving existing ones; 9.2.3 to reflect a change in our costs of running your E-Money Account or providing you with related services, or to change the way charges for services and products are made (to reflect the way users use them), for example, example by introducing a new fee; 9.2.4 technology developments (or expected developments) (including the systems used to run the business) or in response to possible risks to the security of your E-Money Account, for example by changing the security steps you need to follow to access your E-Money Account or submit an Order or E-Money Order; or 9.2.5 to respond to any other change that affects us, if it’s fair to pass on the effects of the change to you, for example to reflect developments in cross-border payments. 9.3 We may make changes for any other reason we cannot foresee, for example to respond to changes among our competitors that affect how we wish to deliver our services to you. 9.4 We shall notify you of any change to this Agreement in writing (either by post or email). The proposed change shall come into effect automatically on the date stated in our notice, such date to be at least two (2) weeks after the date of receipt of our notice. 9.5 You can then tell us at ▇▇▇▇▇▇▇▇@▇▇▇▇▇▇▇▇.▇▇▇ that you wish to end this Agreement (and close your E-Money Account) before the change takes effect; otherwise, you’ll be treated as having accepted the change.

Changes to this Agreement. 9.1 We will This Agreement and the documents referenced herein may be updated and/or amended by us at any time and from time to time need to change the terms of this Agreement. We can anticipate some of the reasons why it’d be fair for us to do this, and have listed them below, but may in the future also want to make changes for other reasons. 9.2 We can make a change to this Agreement for any reason (including the following)reason, with any change being a reasonable and proportionate response to a change that is affecting us or that we reasonably think will affect usincluding, without limitation: 9.2.1 (a) to reflect a change in legal Applicable Laws or regulatory requirements (including industry codes and decisions of the Financial Ombudsman Service, a regulator or court), or in the payment systems generally. For example we may have to change our requirements for keeping your E-Money Account safe to meet new, higher standards set by lawmarket practice; 9.2.2 (b) if we determine in our sole discretion that the change benefits you, is for example when introducing new products or services or improving existing onesthe benefit of customers; 9.2.3 (c) to reflect a change in our costs of running your E-Money General Client Account or our costs for providing you with related services, or Services; (d) where new Services are provided by us to you; (e) to reflect a change in the way charges we charge for services and products are made (to reflect the way users use them), for example, by introducing a new feeServices; 9.2.4 (f) technology developments (or expected developments) (including the systems used to run the business) or in response to possible risks to the security of your E-Money AccountGeneral Client Account (including, for example by changing without limitation, a change in or enhancements to the security steps you need to follow to access your E-Money General Client Account or submit an Order or E-Money Payment Order); or 9.2.5 (g) to respond to any other change that affects us, if it’s fair to pass on the effects of the change to you, for example to reflect developments in cross-border payments. 9.3 We may 9.2 Any updates and/or amendments we make changes for any other reason we cannot foresee, for example to respond to changes among our competitors that affect how we wish to deliver our services to you. 9.4 We shall notify you of any change to this Agreement and the documents referenced herein will be communicated to you in writing (either by post or email). The proposed change shall come into effect automatically on the date stated in reference to our notice, such date to be at least two website (2) weeks after the date of receipt of our notice. 9.5 You can then tell us at ▇▇▇▇@.▇▇▇▇▇.▇▇▇ that ▇) and/or as we may otherwise decide in our sole discretion, including via the App), at least two (2) weeks (or, in respect of a Micro-Enterprise or a Charity, at least two (2) months) before such updates and/or amendments are due to take effect; unless such updates and/or amendments are in our reasonable determination: (a) required by Applicable Laws; (b) to your advantage; or (c) represents a change to an external reference exchange rate to which your exchange rate is linked, and, in such circumstances, we may make the necessary updates and/or amendments immediately and inform you wish of the same subsequent to end the updates and/or amendments taking effect. 9.3 If you disagree with the updates and/or amendments, you have the right to terminate this Agreement (and close your E-Money Account) by notice to us before the change takes updates and/or amendments are due to take effect; otherwise. If you fail to notify us of your termination before such time, you’ll you will be treated as having deemed to have accepted the changeupdates and/or amendments.

Changes to this Agreement. 9.1 We will from time to time need to change the terms of this Agreement. We can anticipate some of the reasons why it’d be fair for us to do this, and have listed them below, but may in the future also want to make changes for other reasons. 9.2 We can make a change to this Agreement for any reason (including the following), with any change being a reasonable and proportionate response to a change that is affecting us or that we reasonably think will affect us: 9.2.1 because of a change in legal or regulatory requirements (including industry codes and decisions of the Financial Ombudsman Servicerequirements, a regulator or court), or in the payment systems generally. For for example we may have to change our requirements for keeping your E-Money Account safe to meet new, higher standards set by law; 9.2.2 if the change benefits you, for example when introducing new products or services or improving existing ones; 9.2.3 to reflect a change in our costs of running your E-Money Account or providing you with related services, or to change the way charges for services and products are made (to reflect the way users use them), for example, example by introducing a new fee; 9.2.4 technology developments (or expected developments) (including the systems used to run the business) or in response to possible risks to the security of your E-Money Account, for example by changing the security steps you need to follow to access your E-Money Account or submit an Order or E-Money Order; or 9.2.5 to respond to any other change that affects us, if it’s fair to pass on the effects of the change to you, for example to reflect developments in cross-border payments. 9.3 We may make changes for any other reason we cannot foresee, for example to respond to changes among our competitors that affect how we wish to deliver our services to you. 9.4 We shall notify you of any change to this Agreement in writing (either by post or email). The proposed change shall come into effect automatically on the date stated in our notice, such date to be at least two (2) weeks after the date of receipt of our notice. 9.5 You can then tell us at ▇▇▇▇@▇▇▇▇▇.▇▇▇ that you wish to end this Agreement (and close your E-Money Account) before the change takes effect; otherwise, you’ll be treated as having accepted the change.

Changes to this Agreement. 9.1 8.1 We will from time to time need to change the terms of this Agreement. We can anticipate some of the reasons why it’d be fair for us to do this, and have listed them below, but may in the future also want to make changes for other reasons. 9.2 8.2 We can make a change to this Agreement for any reason (including the following), with any change being a reasonable and proportionate response to a change that is affecting us or that we reasonably think will affect us: 9.2.1 8.2.1 because of a change in legal or regulatory requirements (including industry codes and decisions of the Financial Ombudsman ServiceApplicable Laws, a regulator or court), or in the payment systems generally. For for example we may have to change our requirements for keeping your E-Money Account safe to meet new, higher standards set by law; 9.2.2 8.2.2 if the change benefits you, for example when introducing new products or services or improving existing ones; 9.2.3 8.2.3 to reflect a change in our costs of running your E-Money Account or providing you with related services, or to change the way charges for services and products are made (to reflect the way users use them), for example, example by introducing a new fee; 9.2.4 technology developments (or expected developments) (including the systems used to run the business) or 8.2.4 in response to possible risks to the security of your E-Money Account, for example by changing the security steps you need to follow to access your E-Money Account or submit an Order or E-Money Order; or 9.2.5 8.2.5 to respond to any other change that affects us, if it’s fair to pass on the effects of the change to you, for example to reflect developments in cross-border digital payments. 9.3 8.3 We may make changes for any other reason we cannot foresee, for example to respond to changes among our competitors that affect how we wish to deliver our services to you. 9.4 8.4 We shall notify you of any change to this Agreement in writing (either by post or email). The proposed change variation shall come into effect automatically on the date stated in our notice, such date to be at least two (2) weeks months after the date of receipt of our the notice. 9.5 8.5 You can then tell us at ▇▇▇▇@▇▇▇▇▇.▇▇▇ that you wish to end this Agreement (and close your E-E- Money Account) before the change takes effect; otherwise, you’ll be treated as having accepted the change.

Changes to this Agreement. 9.1 8.1 We will from time to time need to change the terms of this Agreement. We can anticipate some of the reasons why it’d be fair for us to do this, and have listed them below, but may in the future also want to make changes for other reasons. 9.2 8.2 We can make a change to this Agreement for any reason (including the following), with any change being a reasonable and proportionate response to a change that is affecting us or that we reasonably think will affect us: 9.2.1 8.2.1 a change in legal or regulatory requirements (including industry codes and decisions of the Financial Ombudsman Service, a regulator or court), or in the payment systems generally. For example we may have to change our requirements for keeping your E-Money Account safe to meet new, higher standards set by law; 9.2.2 8.2.2 if the change benefits you, for example when introducing new products or services or improving existing ones; 9.2.3 8.2.3 to reflect a change in our costs of running your E-Money Account or providing you with related services, or to change the way charges for services and products are made (to reflect the way users use them), for example, by introducing a new fee; 9.2.4 8.2.4 technology developments (or expected developments) (including the systems used to run the business) or in response to possible risks to the security of your E-Money Account, for example by changing the security steps you need to follow to access your E-Money Account or submit an Order or E-Money Order; or 9.2.5 8.2.5 to respond to any other change that affects us, if it’s fair to pass on the effects of the change to you, for example to reflect developments in cross-border payments. 9.3 8.3 We may make changes for any other reason we cannot foresee, for example to respond to changes among our competitors that affect how we wish to deliver our services to you. 9.4 8.4 We shall notify you of any change to this Agreement in writing (either by post or email). The proposed change shall come into effect automatically on the date stated in our notice, such date to be at least two (2) weeks months after the date of receipt of our the notice, unless you tell us that you want to close your E- Money Account and terminate this Agreement prior to that date. If you do not want to be treated as accepting a proposed change, you must, before the change comes into effect, tell us that you want to close your E- Money Account and terminate the Agreement with us. We will not make any termination charge if you terminate the Agreement in these circumstances. If you do not tell us that you want to close your E-Money Account and terminate the Agreement with us before the date the change comes into effect, we will assume you have accepted the change notified to you. 9.5 8.5 You can then tell us at ▇▇▇▇@▇▇▇▇▇.▇▇▇ that you wish to end this Agreement (and close your E-E- Money Account) before the change takes effect; otherwise, you’ll be treated as having accepted the change.

Changes to this Agreement. 9.1 We will This Agreement and the documents referenced herein may be updated and/or amended by us at any time and from time to time need to change the terms of this Agreement. We can anticipate some of the reasons why it’d be fair for us to do this, and have listed them below, but may in the future also want to make changes for other reasons. 9.2 We can make a change to this Agreement for any reason (including the following)reason, with any change being a reasonable and proportionate response to a change that is affecting us or that we reasonably think will affect usincluding, without limitation: 9.2.1 (a) to reflect a change in legal Applicable Laws or regulatory requirements (including industry codes and decisions of the Financial Ombudsman Service, a regulator or court), or in the payment systems generally. For example we may have to change our requirements for keeping your E-Money Account safe to meet new, higher standards set by lawmarket practice; 9.2.2 (b) if we determine in our sole discretion that the change benefits you, is for example when introducing new products or services or improving existing onesthe benefit of customers; 9.2.3 (c) to reflect a change in our costs of running your E-Money General Client Account or our costs for providing you with related services, or Services; (d) where new Services are provided by us to you; (e) to reflect a change in the way charges we charge for services and products are made (to reflect the way users use them), for example, by introducing a new feeServices; 9.2.4 (f) technology developments (or expected developments) (including the systems used to run the business) or in response to possible risks to the security of your E-Money AccountGeneral Client Account (including, for example by changing without limitation, a change in or enhancements to the security steps you need to follow to access your E-Money General Client Account or submit an Order or E-Money Payment Order); or 9.2.5 (g) to respond to any other change that affects us, if it’s fair to pass on the effects of the change to you, for example to reflect developments in cross-border payments. 9.3 We may 9.2 Any updates and/or amendments we make changes for any other reason we cannot foresee, for example to respond to changes among our competitors that affect how we wish to deliver our services to you. 9.4 We shall notify you of any change to this Agreement and the documents referenced herein will be communicated to you in writing (either by post or email). The proposed change shall come into effect automatically on the date stated in reference to our notice, such date to be at least two website (2) weeks after the date of receipt of our notice. 9.5 You can then tell us at ▇▇▇▇@.▇▇▇▇▇.▇▇▇ that ▇) and/or as we may otherwise decide in our sole discretion), at least two (2) weeks before such updates and/or amendments are due to take effect; unless such updates and/or amendments are in our reasonable determination: (a) required by Applicable Laws; (b) to your advantage; or (c) represents a change to an external reference exchange rate to which your exchange rate is linked, and, in such circumstances, we may make the necessary updates and/or amendments immediately and inform you wish of the same subsequent to end the updates and/or amendments taking effect. 9.3 If you disagree with the updates and/or amendments, you have the right to terminate this Agreement (and close your E-Money Account) by notice to us before the change takes updates and/or amendments are due to take effect; otherwise. If you fail to notify us of your termination before such time, you’ll you will be treated as having deemed to have accepted the changeupdates and/or amendments.

Changes to this Agreement. 9.1 We will from time to time need to change the terms of this Agreement. We can anticipate some of the reasons why it’d be fair for us to do this, and have listed them below, but may in the future also want to make changes for other reasons. 9.2 We can make a change to this Agreement for any reason (including the following), with any change being a reasonable and proportionate response to a change that is affecting us or that we reasonably think will affect us: 9.2.1 because of a change in legal or regulatory requirements (including industry codes and decisions of the Financial Ombudsman Servicerequirements, a regulator or court), or in the payment systems generally. For for example we may have to change our requirements for keeping your E-Money Account safe to meet new, higher standards set by law; 9.2.2 if the change benefits you, for example when introducing new products or services or improving existing ones; 9.2.3 to reflect a change in our costs of running your E-Money Account or providing you with related services, or to change the way charges for services and products are made (to reflect the way users use them), for example, example by introducing a new fee; 9.2.4 technology developments (or expected developments) (including the systems used to run the business) or in response to possible risks to the security of your E-Money Account, for example by changing the security steps you need to follow to access your E-Money Account or submit an Order or E-Money Order; or 9.2.5 to respond to any other change that affects us, if it’s fair to pass on the effects of the change to you, for example to reflect developments in cross-border payments. 9.3 We may make changes for any other reason we cannot foresee, for example to respond to changes among our competitors that affect how we wish to deliver our services to you. 9.4 We shall notify you of any change to this Agreement in writing (either by post or email). The proposed change shall come into effect automatically on the date stated in our notice, such date to be at least two (2) weeks after the date of receipt of our notice. 9.5 You can then tell us at ▇▇▇▇@▇▇▇▇▇.▇▇▇ that you wish to end this Agreement (and close your E-Money Account) before the change takes effect; otherwise, you’ll be treated as having accepted the change.

Changes to this Agreement. 9.1 We will 10.1. This Agreement and the documents referenced herein may be updated and/or amended by us at any time and from time to time need to change the terms of this Agreement. We can anticipate some of the reasons why it’d be fair for us to do this, and have listed them below, but may in the future also want to make changes for other reasons. 9.2 We can make a change to this Agreement for any reason (including the following)reason, with any change being a reasonable and proportionate response to a change that is affecting us or that we reasonably think will affect usincluding, without limitation: 9.2.1 (a) to reflect a change in legal Applicable Laws or regulatory requirements (including industry codes and decisions of the Financial Ombudsman Service, a regulator or court), or in the payment systems generally. For example we may have to change our requirements for keeping your E-Money Account safe to meet new, higher standards set by lawmarket practice; 9.2.2 (b) if we determine in our sole discretion that the change benefits you, is for example when introducing new products or services or improving existing onesthe benefit of customers; 9.2.3 (c) to reflect a change in our costs of running your E-Money Account or our costs for providing you with related services, or Services; (d) where new Services are provided by us to you; (e) to reflect a change in the way charges we charge for services and products are made (to reflect the way users use them), for example, by introducing a new feeServices; 9.2.4 (f) technology developments (or expected developments) (including the systems used to run the business) or in response to possible risks to the security of your E-Money AccountAccount (including, for example by changing without limitation, a change in or enhancements to the security steps you need to follow to access your E-Money Account or submit an Order or E-Money Order); or 9.2.5 (g) to respond to any other change that affects us, if it’s fair to pass on the effects of the change to you, for example to reflect developments in cross-border payments. 9.3 We may 10.2. Any updates and/or amendments we make changes for any other reason we cannot foresee, for example to respond to changes among our competitors that affect how we wish to deliver our services to you. 9.4 We shall notify you of any change to this Agreement and the documents referenced herein will be communicated to you in writing (either by post or email). The proposed change shall come into effect automatically on the date stated in reference to our notice, such date to be at least two website (2) weeks after the date of receipt of our notice. 9.5 You can then tell us at ▇▇▇▇@.▇▇▇▇▇.▇▇▇ that ) and/or as we may otherwise decide in our sole discretion), at least two (2) weeks before such updates and/or amendments are due to take effect; unless such updates and/or amendments are in our reasonable determination: (a) required by Applicable Law; (b) to your advantage; or (c) represents a change to an external reference exchange rate to which your exchange rate is linked, and, in such circumstances, we may make the necessary updates and/or amendments immediately and inform you wish of the same subsequent to end the updates and/or amendments taking effect. 10.3. If you disagree with the updates and/or amendments, you have the right to terminate this Agreement (and close your E-Money Account) by notice to us before the change takes updates and/or amendments are due to take effect; otherwise. If you fail to notify us of your termination before such time, you’ll you will be treated as having deemed to have accepted the changeupdates and/or amendments.

Changes to this Agreement. 9.1 We will from time 13.1. Paynetics may make changes to time need to change the terms of this Agreement. We can anticipate some of , including the reasons why it’d be fair for us to do this, and have listed them below, but may fees set out in the future also want Tariff, as set out further below for reasons which may include (but are not limited to): 13.1.1. changes to make changes for other reasons. 9.2 We can make a change to this Agreement for any reason (including the following), with any change being a reasonable and proportionate response to a change that is affecting us products or that we reasonably think will affect us: 9.2.1 a change in legal services or regulatory requirements (including industry codes and decisions of the Financial Ombudsman Service, a regulator or court), or in the payment systems generally. For example we may have to change our requirements for keeping your E-Money Account safe to meet new, higher standards set by law; 9.2.2 if the change benefits you, for example when introducing new products or services or improving existing onesunder this Agreement; 9.2.3 to reflect 13.1.2. withdrawal of a change in particular part of our costs of running your E-Money Account products or providing you with related services, or to change the way charges for services and products are made (to reflect the way users use them), for example, by introducing a new fee; 9.2.4 technology developments (13.1.3. changes in market conditions or expected developments) (including the operating costs that affect Paynetics; 13.1.4. changes in technology, our systems used and/or payment methods; 13.1.5. making this Agreement clearer or more favourable to run the business) or in response to possible risks to the security of your E-Money Account, for example by changing the security steps you need to follow to access your E-Money Account or submit an Order or E-Money Orderyou; or 9.2.5 13.1.6. changes in relevant laws or regulations, or codes or rules that apply to respond Paynetics. 13.2. Paynetics will notify you about any changes to any other change that affects usthis Agreement, if it’s fair to pass including the Tariff, and the date on which such changes shall take effect, by posting a notice on the effects of Website and/or via email, and/or via the change App, at least 2 (two) months before the changes take effect. When we notify you directly in the App, we will send an active notification (push notification) to your device, which you can open after logging into the App, and which will contain information about the upcoming changes and where you can view them. Paynetics can make immediate changes, without notice to you, for example to reflect developments the exchange rates used to convert Card payments where such changes are the result of changes in cross-border paymentsthe reference rate we have disclosed to you, or when changes are more favourable to you and enhance your consumer protection rights, or are connected to additional services we introduce, the use of which depends on your free will. 9.3 We may make 13.3. If you do not approve of the changes for any other reason we cannot foresee, for example to respond to changes among our competitors that affect how we wish to deliver our services to you. 9.4 We shall notify you of any change to this Agreement in writing (either by post or email). The proposed change shall come into effect automatically on Agreement, you have the date stated in our notice, such date right to be at least two (2) weeks after the date of receipt of our notice. 9.5 You can then tell us at ▇▇▇▇@▇▇▇▇▇.▇▇▇ that you wish to end terminate this Agreement (and close your E-Money Account) free of charge by informing Paynetics before the change takes changes take effect; otherwise, you’ll be treated . Paynetics will treat you as having accepted the changechanges unless you inform Paynetics that you do not approve these changes before they take effect.

Changes to this Agreement. 9.1 We will 9.1. This Agreement and the documents referenced herein may be updated and/or amended by us at any time and from time to time need to change the terms of this Agreement. We can anticipate some of the reasons why it’d be fair for us to do this, and have listed them below, but may in the future also want to make changes for other reasons. 9.2 We can make a change to this Agreement for any reason (including the following)reason, with any change being a reasonable and proportionate response to a change that is affecting us or that we reasonably think will affect usincluding, without limitation: 9.2.1 (a) to reflect a change in legal Applicable Laws or regulatory requirements (including industry codes and decisions of the Financial Ombudsman Service, a regulator or court), or in the payment systems generally. For example we may have to change our requirements for keeping your E-Money Account safe to meet new, higher standards set by lawmarket practice; 9.2.2 (b) if we determine in our sole discretion that the change benefits you, is for example when introducing new products or services or improving existing onesthe benefit of customers; 9.2.3 (c) to reflect a change in our costs of running your E-Money General Client Account or our costs for providing you with related services, or Services; (d) where new Services are provided by us to you; (e) to reflect a change in the way charges we charge for services and products are made (to reflect the way users use them), for example, by introducing a new feeServices; 9.2.4 (f) technology developments (or expected developments) (including the systems used to run the business) or in response to possible risks to the security of your E-Money AccountGeneral Client Account (including, for example by changing without limitation, a change in or enhancements to the security steps you need to follow to access your E-Money General Client Account or submit an Order or E-Money Payment Order); or 9.2.5 (g) to respond to any other change that affects us, if it’s fair to pass on the effects of the change to you, for example to reflect developments in cross-border payments. 9.3 We may 9.2. Any updates and/or amendments we make changes for any other reason we cannot foresee, for example to respond to changes among our competitors that affect how we wish to deliver our services to you. 9.4 We shall notify you of any change to this Agreement and the documents referenced herein will be communicated to you in writing (either by post or email). The proposed change shall come into effect automatically on the date stated in reference to our notice, such date to be at least two website (2) weeks after the date of receipt of our notice. 9.5 You can then tell us at ▇▇▇▇@.▇▇▇▇▇.▇▇▇ that ▇) and/or as we may otherwise decide in our sole discretion), at least two (2) weeks before such updates and/or amendments are due to take effect; unless such updates and/or amendments are in our reasonable determination: (a) required by Applicable Laws; (b) to your advantage; or (c) represents a change to an external reference exchange rate to which your exchange rate is linked, and, in such circumstances, we may make the necessary updates and/or amendments immediately and inform you wish of the same subsequent to end the updates and/or amendments taking effect. 9.3. If you disagree with the updates and/or amendments, you have the right to terminate this Agreement (and close your E-Money Account) by notice to us before the change takes updates and/or amendments are due to take effect; otherwise. If you fail to notify us of your termination before such time, you’ll you will be treated as having deemed to have accepted the changeupdates and/or amendments.

Changes to this Agreement. 9.1 We will This Agreement and the documents referenced herein may be updated and/or amended by us at any time and from time to time need to change the terms of this Agreement. We can anticipate some of the reasons why it’d be fair for us to do this, and have listed them below, but may in the future also want to make changes for other reasons. 9.2 We can make a change to this Agreement for any reason (including the following)reason, with any change being a reasonable and proportionate response to a change that is affecting us or that we reasonably think will affect usincluding, without limitation: 9.2.1 (a) to reflect a change in legal Applicable Laws or regulatory requirements (including industry codes and decisions of the Financial Ombudsman Service, a regulator or court), or in the payment systems generally. For example we may have to change our requirements for keeping your E-Money Account safe to meet new, higher standards set by lawmarket practice; 9.2.2 (b) if we determine in our sole discretion that the change benefits you, is for example when introducing new products or services or improving existing onesthe benefit of customers; 9.2.3 (c) to reflect a change in our costs of running your E-Money General Client Account or our costs for providing you with related services, or Services; (d) where new Services are provided by us to you; (e) to reflect a change in the way charges we charge for services and products are made (to reflect the way users use them), for example, by introducing a new feeServices; 9.2.4 (f) technology developments (or expected developments) (including the systems used to run the business) or in response to possible risks to the security of your E-Money AccountGeneral Client Account (including, for example by changing without limitation, a change in or enhancements to the security steps you need to follow to access your E-Money General Client Account or submit an Order or E-Money Payment Order); or 9.2.5 (g) to respond to any other change that affects us, if it’s fair to pass on the effects of the change to you, for example to reflect developments in cross-border payments. 9.3 We may 9.2 Any updates and/or amendments we make changes for any other reason we cannot foresee, for example to respond to changes among our competitors that affect how we wish to deliver our services to you. 9.4 We shall notify you of any change to this Agreement and the documents referenced herein will be communicated to you in writing (either by post or email). The proposed change shall come into effect automatically on the date stated in reference to our notice, such date to be at least two website (2) weeks after the date of receipt of our notice. 9.5 You can then tell us at ▇▇▇▇@.▇▇▇▇▇.▇▇▇ that ▇) and/or as we may otherwise decide in our sole discretion, including via the App), at least two (2) months before such updates and/or amendments are due to take effect; unless such updates and/or amendments are in our reasonable determination: (a) required by Applicable Laws; (b) to your advantage; or (c) represents a change to an external reference exchange rate to which your exchange rate is linked and, in such circumstances, we may make the necessary updates and/or amendments immediately and inform you wish of the same subsequent to end the updates and/or amendments taking effect. 9.3 If you disagree with the updates and/or amendments, you have the right to terminate this Agreement (and close your E-Money Account) by notice to us before the change takes updates and/or amendments are due to take effect; otherwise. If you fail to notify us of your termination before such time, you’ll you will be treated as having deemed to have accepted the changeupdates and/or amendments.

Changes to this Agreement. 9.1 We will This Agreement and the documents referenced herein may be updated and/or amended by us at any time and from time to time need to change the terms of this Agreement. We can anticipate some of the reasons why it’d be fair for us to do this, and have listed them below, but may in the future also want to make changes for other reasons. 9.2 We can make a change to this Agreement for any reason (including the following)reason, with any change being a reasonable and proportionate response to a change that is affecting us or that we reasonably think will affect usincluding, without limitation: 9.2.1 (a) to reflect a change in legal Applicable Laws or regulatory requirements (including industry codes and decisions of the Financial Ombudsman Service, a regulator or court), or in the payment systems generally. For example we may have to change our requirements for keeping your E-Money Account safe to meet new, higher standards set by lawmarket practice; 9.2.2 (b) if we determine in our sole discretion that the change benefits you, is for example when introducing new products or services or improving existing onesthe benefit of customers; 9.2.3 (c) to reflect a change in our costs of running your E-Money General Client Account or our costs for providing you with related services, or Services; (d) where new Services are provided by us to you; (e) to reflect a change in the way charges we charge for services and products are made (to reflect the way users use them), for example, by introducing a new feeServices; 9.2.4 (f) technology developments (or expected developments) (including the systems used to run the business) or in response to possible risks to the security of your E-Money AccountGeneral Client Account (including, for example by changing without limitation, a change in or enhancements to the security steps you need to follow to access your E-Money General Client Account or submit an Order or E-Money Payment Order); or 9.2.5 (g) to respond to any other change that affects us, if it’s fair to pass on the effects of the change to you, for example to reflect developments in cross-border payments. 9.3 We may 9.2 Any updates and/or amendments we make changes for any other reason we cannot foresee, for example to respond to changes among our competitors that affect how we wish to deliver our services to you. 9.4 We shall notify you of any change to this Agreement and the documents referenced herein will be communicated to you in writing (either by post or email). The proposed change shall come into effect automatically on the date stated in reference to our notice, such date to be at least two website (2) weeks after the date of receipt of our notice. 9.5 You can then tell us at ▇▇▇▇@.▇▇▇▇▇.▇▇▇ that ▇) and/or as we may otherwise decide in our sole discretion, including via the App), at least two (2) months before such updates and/or amendments are due to take effect; unless such updates and/or amendments are in our reasonable determination: (a) required by Applicable Laws; (b) to your advantage; or (c) represents a change to an external reference exchange rate to which your exchange rate is linked, and, in such circumstances, we may make the necessary updates and/or amendments immediately and inform you wish of the same subsequent to end the updates and/or amendments taking effect. 9.3 If you disagree with the updates and/or amendments, you have the right to terminate this Agreement (and close your E-Money Account) by notice to us before the change takes updates and/or amendments are due to take effect; otherwise. If you fail to notify us of your termination before such time, you’ll you will be treated as having deemed to have accepted the changeupdates and/or amendments.

Changes to this Agreement. 9.1 8.1 We will from time to time need to change the terms of this Agreement. We can anticipate some of the reasons why it’d be fair for us to do this, and have listed them below, but may in the future also want to make changes for other reasons. 9.2 8.2 We can make a change to this Agreement for any reason (including the following), with any change being a reasonable and proportionate response to a change that is affecting us or that we reasonably think will affect us: 9.2.1 8.2.1 because of a change in legal or regulatory requirements (including industry codes and decisions of the Financial Ombudsman ServiceApplicable Laws, a regulator or court), or in the payment systems generally. For for example we may have to change our requirements for keeping your E-Money Account safe to meet new, higher standards set by law; 9.2.2 8.2.2 if the change benefits you, for example when introducing new products or services or improving existing ones; 9.2.3 8.2.3 to reflect a change in our costs of running your E-Money Account or providing you with related services, or to change the way charges for services and products are made (to reflect the way users use them), for example, example by introducing a new fee; 9.2.4 technology developments (or expected developments) (including the systems used to run the business) or 8.2.4 in response to possible risks to the security of your E-Money Account, for example by changing the security steps you need to follow to access your E-Money Account or submit an Order or E-Money Order; or 9.2.5 8.2.5 to respond to any other change that affects us, if it’s fair to pass on the effects of the change to you, for example to reflect developments in cross-border digital payments. 9.3 8.3 We may make changes for any other reason we cannot foresee, for example to respond to changes among our competitors that affect how we wish to deliver our services to you. 9.4 8.4 We shall notify you of any change to this Agreement in writing (either by post or email). The proposed change variation shall come into effect automatically on the date stated in our notice, such suc h date to be at least two (2) weeks months after the date of receipt of our the notice. 9.5 8.5 You can then tell us at ▇▇▇▇@▇▇▇▇▇.▇▇▇ that you wish to end this Agreement (and close your E-Money Account) before the change takes effect; otherwise, you’ll be treated as having accepted the change.

Changes to this Agreement. 9.1 We will from time to time need to change the terms of 24.1 As this Agreement. We can anticipate some Agreement has no fixed end date, we cannot predict all of the reasons which could mean that we might change the way that we calculate interest, the interest rate/fees or other terms, but we have set out specific reasons why it’d we might do so below. Any change we make will be fair for us reasonably proportionate to do thisthe impact of the underlying change on us. We will not make changes to cover the same cost twice, and we will always ensure that: (a) we have listed them a valid reason for making the change (even if it is not one of the reasons set out below, but may in ); (b) we will tell you about the future also change before we make it; and (c) we will let you end the Agreement without charge if you do not want to accept the change. 24.2 We may make changes for other reasons. 9.2 We can make a change to this Agreement Agreement, including to the interest rate(s) that apply to your Account for any reason (including of the following), with any change being a reasonable and proportionate response to a change that is affecting us or that we reasonably think will affect usfollowing reasons: 9.2.1 a change in legal or regulatory requirements (including industry codes and decisions of the Financial Ombudsman Service, a regulator or court), or in the payment systems generally. For example we may have to change our requirements for keeping your E-Money Account safe to meet new, higher standards set by law; 9.2.2 a) if the change benefits you, for example when introducing new products is favourable to you or services or improving existing onesmakes the terms easier to understand; 9.2.3 (b) if our costs for providing your Account (including how much we have to pay to borrow funds to lend to you when you use it) have increased or we expect them to; (c) if we are introducing a new service, feature or benefit with your Account; (d) to reflect changes in the banking and financial system, technology or the systems used to run your Account; (e) if we have a good reason to think that your personal circumstances have changed, such as your credit risk (which may be based on our assessment of your Account or by reference to external credit reference data), which means there is a greater risk that you will not be able to repay us; or (f) to reflect a change in our costs law, regulation or industry codes of running your E-Money Account or providing you with related services, 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. 24.3 If we make a change to the way charges that we calculate and/or apply the interest rate, the change will only affect new Repayment Plans and any changes you make to Repayment Plans. 24.4 Except for as set out in 24.5 below, we will give you at least 30 days' written notice of a change, unless the change is not to your disadvantage, when we may give you less notice 24.5 If the change being made relates to the payment services and products are made which we provide (to reflect the way users use them), for example, by introducing a new fee; 9.2.4 technology developments (or expected developments) (including using the systems used to run Payment Instrument), we will give you at least two months’ notice of the business) or in response to possible risks change. If you do not agree with these changes to the security of Agreement, you may at any time within the 2-month notice period terminate your E-Money Account, for example by changing the security steps you need Agreement. You will be deemed to follow to access your E-Money Account or submit an Order or E-Money Order; or 9.2.5 to respond to any other change that affects us, if it’s fair to pass on the effects of the change to you, for example to reflect developments in cross-border payments. 9.3 We may make changes for any other reason we cannot foresee, for example to respond to changes among our competitors that affect how we wish to deliver our services to you. 9.4 We shall notify you of have accepted any change to this Agreement in writing (either by post or email)unless you notify us before the proposed date of the change. The proposed change shall come into effect automatically on the date stated in our notice, such date way that we will provide this notice to be you is set out at least two (2) weeks after the date of receipt of our noticeclause 26 below. 9.5 You 24.6 If we are increasing the interest rate applicable to new or changed Repayment Plans on your Account and you don't want to accept the new rate, you can then tell us at ▇▇▇▇@▇▇▇▇▇this within 60 days of us notifying you of the change, and you can repay what you owe us with a view to closing your Account, but you will no longer be able to use it.▇▇▇ that you wish to end 24.7 If any part of this Agreement (and close your E-Money Account) is inconsistent with any regulatory requirements, then we will not rely on that part but treat it as if it did actually reflect the relevant regulatory requirement. If we need to make operational changes before we can fully comply with the change takes effect; otherwisenew regulatory requirement, you’ll be treated we will make those changes as having accepted the changesoon as reasonably practical.

Changes to this Agreement. 9.1 We will This Agreement and the documents referenced herein may be updated and/or amended by us at any time and from time to time need to change the terms of this Agreement. We can anticipate some of the reasons why it’d be fair for us to do this, and have listed them below, but may in the future also want to make changes for other reasons. 9.2 We can make a change to this Agreement for any reason (including the following)reason, with any change being a reasonable and proportionate response to a change that is affecting us or that we reasonably think will affect usincluding, without limitation: 9.2.1 (a) to reflect a change in legal Applicable Laws or regulatory requirements (including industry codes and decisions of the Financial Ombudsman Service, a regulator or court), or in the payment systems generally. For example we may have to change our requirements for keeping your E-Money Account safe to meet new, higher standards set by lawmarket practice; 9.2.2 (b) if we determine in our sole discretion that the change benefits you, is for example when introducing new products or services or improving existing onesthe benefit of customers; 9.2.3 (c) to reflect a change in our costs of running your E-Money General Client Account or our costs for providing you with related services, or Services; (d) where new Services are provided by us to you; (e) to reflect a change in the way charges we charge for services and products are made (to reflect the way users use them), for example, by introducing a new feeServices; 9.2.4 (f) technology developments (or expected developments) (including the systems used to run the business) or in response to possible risks to the security of your E-Money AccountGeneral Client Account (including, for example by changing without limitation, a change in or enhancements to the security steps you need to follow to access your E-Money General Client Account or submit an Order or E-Money Payment Order); or 9.2.5 (g) to respond to any other change that affects us, if it’s fair to pass on the effects of the change to you, for example to reflect developments in cross-border payments. 9.3 We may 9.2 Any updates and/or amendments we make changes for any other reason we cannot foresee, for example to respond to changes among our competitors that affect how we wish to deliver our services to you. 9.4 We shall notify you of any change to this Agreement and the documents referenced herein will be communicated to you in writing (either by post or email). The proposed change shall come into effect automatically on the date stated in reference to our notice, such date to be at least two website (2) weeks after the date of receipt of our notice. 9.5 You can then tell us at ▇▇▇▇@.▇▇▇▇▇.▇▇▇ that ▇) and/or as we may otherwise decide in our sole discretion), at least two (2) weeks (or, in respect of a Micro-Enterprise or a Charity, at least two (2) months) before such updates and/or amendments are due to take effect; unless such updates and/or amendments are in our reasonable determination: (a) required by Applicable Laws; (b) to your advantage; or (c) represents a change to an external reference exchange rate to which your exchange rate is linked, and, in such circumstances, we may make the necessary updates and/or amendments immediately and inform you wish of the same subsequent to end the updates and/or amendments taking effect. 9.3 If you disagree with the updates and/or amendments, you have the right to terminate this Agreement (and close your E-Money Account) by notice to us before the change takes updates and/or amendments are due to take effect; otherwise. If you fail to notify us of your termination before such time, you’ll you will be treated as having deemed to have accepted the changeupdates and/or amendments.