Your Card - Important Customer Information

1. Is a credit card suitable for my needs?

Credit cards can be very useful, allowing you to make payments securely, and providing a helpful short term
credit line. However, a credit card can be expensive if used to borrow over a long period or used regularly to
withdraw cash.

2. How much will I have to repay?

We'll send you a statement each month showing details of what you owe. The amount you have to pay will
depend on how much you spend using your card, how much you repay each month, the interest rate that we
charge and whether you have any instalment or PayDown Plans. You must make at least the contractual
minimum payment by the due date as shown on your statement. You will find details of how your contractual
minimum payment is calculated in your Agreement.

You do not have to make payments on any Buy Now Pay Later balance you may have until the end of the
promotional period.

You can pay off as much as you like each month, between the contractual minimum payment and everything
you owe, but the more you pay back, the less you’ll pay in interest and the sooner you’ll clear your balance.

If we notice that you have not been making sufficient payments to help you pay your balance down, we may
recommend you make extra payments or move part or all of your balance to a PayDown Plan.

You can set up a direct debit to pay everything you owe, the minimum payment, a fixed amount each month
or the sum of your minimum payment, total monthly instalment payment and any recommended extra
payment.

For further details (including how we calculate your contractual minimum payment), see the section of the
Agreement called How much do you have to pay each month?

3. What will happen to me if I do not keep up with repayments?

So long as you make at least your contractual minimum payment on time, you won't be charged any late
fees.

If you do miss a payment, you'll be charged £12 as well as interest and this will mean that your debt will grow
and we'll have to report the missed payment to the credit reference agencies.

This might make it harder and more expensive for you to get credit in the future. Remember, you can set up
a direct debit which will help you avoid being charged a late fee.

Failing to keep up with your repayments will also result in any promotional offers and instalment plans being
withdrawn and you will pay the standard purchase rate on these amounts. Buy Now Pay Later and instalment
plan balances will be moved to your standard purchase balance.

If we register a default or you become insolvent, this will remain on your credit file for 6 years. It could also
result in legal action being taken against you, by us or a third party to whom we may have sold the debt. This
could result in a court order being obtained (which could possibly be enforced by securing the debt against
your home) and you incurring legal costs. In exceptional cases, an order for the sale of your home could be
made.

You should contact us if you are having difficulties making payments.

4. Can I withdraw from the agreement once I have entered it?

You have 14 days to tell us you want to withdraw from the agreement beginning with the day after we confirm
your initial credit limit or, if later, the day after you receive a copy of the agreement. You can do this by writing
to us or calling Customer Services. From then you have 30 days to pay what you have borrowed including
any interest. We will tell you how much to repay and how to pay it.

5. Are there any particular features of this credit product that I should be
aware of?
The main features of the card are set out here and in the Pre-Contract Credit Information. Do read this
carefully before you apply to ensure that the card is right for you and that you understand the features of this
product. You can take it away and read it and if you have any questions you can call us on the number at the
end.

6. Interest rates
The interest rate you pay may vary according to your personal circumstances. We will tell you the APR and
rates applicable to your account after the credit check. All our interest rates are variable.

• Your APR is 34.9% variable.

• For purchase transactions, the interest rate is 34.95% per annum (variable).

• For cash transactions, the interest rate is 44.95% per annum (variable) and interest is charged from the
date of the transaction. Cash also includes, for example, buying lottery tickets, buying travellers' cheques
or foreign currency, withdrawing cash from a cash machine or over the counter

• For balance transfers, the interest rate is 34.95% per annum (variable) and interest is charged from the
date the transaction is added to your account.

• For money transfers, the interest rate is 34.95% per annum (variable) and interest is charged from the date
the transaction is added to your account.

• For Buy Now Pay Later transactions (if applicable), the interest rate is 0% for 3 months from the date of the
transactions (or as we let you know at the time), at the end of which you will pay your standard purchase
rate.

• For instalment plans (if applicable) they will be charged at 30.350% or as we will let you know at the time.

7. Charges
• Cash fee of 5% of the amount of the transaction (at least £4.00) for all cash transactions made in the UK or
abroad. Interest is charged from the date the transaction is added to your account even if you pay off your
standard balance in full.
• Balance transfer fee of up to 3% (minimum £3.00) of the amount of the transaction.

• Money transfer fee of up to 3% (minimum £3.00) of the amount of the transaction.

• A fee of £12 each month you go over your credit limit and each subsequent statement month you stay over
your credit limit.

• A fee of £12 each time you do not make your contractual minimum payment in full and on time.

• A foreign exchange conversion charge of 2.95% of the amount of the transaction for every transaction you
make in a currency other than sterling.

• £5 for each copy of a statement (up to a maximum of £10 per request);

• £20 trace fee (if you do not inform us of a change of your details).

A cash transaction also includes, for example, placing a bet, buying lottery tickets, buying travellers’ cheques
or foreign currency, withdrawing cash from a cash machine or over the counter.

We may change any of these charges but will let you know first.

8. Interest rates may change

Our interest rates (other than promotional rates) are linked to the Bank of England Base Rate. If the Bank of
England Base Rate changes, we will change our standard rates by the same amount. We will show the new
rate on your next statement.

We may also change your interest rates for any valid reason:

• As a result of a rate change across all borrowers

• Based on a number of individual factors such as the credit risk you pose and the way you use your
account

We will give you at least 30 days' notice (unless the rates are going down or due to a change in the Bank of
England Base Rate).

If we are increasing an interest rate other than because of a change in the Bank of England Base Rate and
you don't want to accept the new rate, and you tell us this within 60 days of us telling you about the change,
you can repay what you owe us at the unchanged interest rate.

9. Promotional Offers
We may offer promotional rates and promotional periods on purchases, balance transfers or money transfers
from time to time. We may offer Buy Now Pay Later and instalment plans. If we do, we will let you have the
details about the promotional rate and the period for which it will apply and any other terms. If you have a
promotional rate or period and you do not make at least your contractual minimum payment by the due date,
or if you go over your credit limit, or you do not make an instalment payment, the promotional offer will end
and you will be charged the standard interest rate applicable at the time. This standard interest rate will also
apply at the end of the promotional period. You should consider whether you will be able to make payments
when charged at the standard interest rate.

10. Electronic communications

We provide statements, notices and other communications electronically through your secure Online
Account Manager and/or by sending them to the most recent email address that we have for you. If we make
them available in the Online Account Manager, we will send you an email with a link so please provide an
email address that you check regularly. Make sure the address you have entered in the application form is
correct and let us know if it changes.

If we send statements, notices and other communications by post we will send them to the most recent
postal address we have for you.

11. Questions
If you have any questions or require more explanation please contact us on 0333 414 1077. Calls are charged
at a standard national rate. Call costs from mobiles and other operators may vary so please check before
calling. Our lines are open 9am to 6pm Monday to Friday, 9am to 4pm Saturday, Sunday closed. Calls may
be recorded and monitored for training and security purposes and to help us manage your account.

Other Useful Information

How to make payments

For details of how you can make payments to your account please see the Agreement (How can you make a
payment?)

Full details about payment methods can also be found on the back of statements.

Recurring transaction
A recurring transaction is a regular payment (other than a direct debit or standing order) collected from your
credit card account by a supplier of goods or services (such as a magazine subscription) in line with your
instructions. The Direct Debit Guarantee does not cover recurring transactions.

If you have authorised a recurring transaction, the person being paid may continue to take payments from
your credit card account until you tell them or us to cancel it. You may withdraw your consent to a recurring
transaction at any time. The latest point at which you can cancel your authorisation with us is the end of the
working day (a working day is defined as Monday – Friday, excluding bank holidays) before the recurring
transaction is due to be paid.