Common use of WHEN WE AREN’T RESPONSIBLE FOR THINGS THAT Clause in Contracts

WHEN WE AREN’T RESPONSIBLE FOR THINGS THAT. GO WRONG We won’t be responsible for any losses you may suffer if we can’t perform, or we delay in performing, our obligations under this or any of our other agreements with you as a result of: • any legal or regulatory requirements. This includes for example those relating to the prevention, detection or investigation of financial crimes such as money laundering, terrorist financing, bribery, corruption, fraud, tax evasion, economic sanctions, or other unlawful activity; or • us reasonably believing that we may fail to comply with a law, regulation, code, court order or other requirement imposed on us if we act or choose not to act; or • abnormal or unforeseeable circumstances which are outside our (or our agents’ and/or subcontractors’) control and which we could not have avoided despite all efforts to the contrary; or • a merchant or ATM retaining or not accepting your payment device or instructions (or the way in which it is conveyed to you). If these overlap with your rights in clause 6 then that clause will apply.

WHEN WE AREN’T RESPONSIBLE FOR THINGS THAT. GO WRONG We won’t be responsible for any losses you may suffer if we can’t perform, or we delay in performing, our obligations under this or any of our other agreements with you as a result of: • any legal or regulatory requirements. This includes for example those relating to the prevention, detection or investigation of financial crimes such as money laundering, terrorist financing, bribery, corruption, fraud, tax evasion, economic sanctions, or other unlawful activity; or • us reasonably believing that we may fail to comply with a law, regulation, code, court order or other requirement imposed on us if we act or choose not to act; or • abnormal or unforeseeable circumstances including but not limited to systems, network or equipment interruptions or failures, which are outside our (or our agents’ and/or subcontractors’) control and which we could not have avoided despite all efforts to the contrary; or • a merchant or ATM retaining or not accepting your payment device or instructions (or the way in which it is conveyed to you). If these overlap with your rights in clause 6 then that clause will apply.

WHEN WE AREN’T RESPONSIBLE FOR THINGS THAT. GO WRONG We won’t be responsible for any losses you may suffer sutfer if we can’t perform, or we delay in performing, our obligations under this or any of our other agreements with you as a result of: • any legal or regulatory requirements. This includes for example those relating to the prevention, detection or investigation of financial crimes such as money laundering, terrorist financing, bribery, corruption, fraud, tax evasion, economic sanctions, or other unlawful activity; or • us reasonably believing that we may fail to comply with a law, regulation, code, court order or other requirement imposed on us if we act or choose not to act; or • abnormal or unforeseeable circumstances including but not limited to systems, network or equipment interruptions or failures, which are outside our (or our agents’ and/or subcontractors’) control and which we could not have avoided despite all efforts etforts to the contrary; or • a merchant or ATM retaining or not accepting your payment device or instructions (or the way in which it is conveyed to you). If these overlap with your rights in clause 6 then that clause will apply.

WHEN WE AREN’T RESPONSIBLE FOR THINGS THAT. GO WRONG We won’t be responsible for any losses you may suffer sutfer if we can’t perform, or we delay in performing, our obligations under this or any of our other agreements with you as a result of: • any legal or regulatory requirements. This includes for example those relating to the prevention, detection or investigation of financial crimes such as money laundering, terrorist financing, bribery, corruption, fraud, tax evasion, economic sanctions, or other unlawful activity; or • us reasonably believing that we may fail to comply with a law, regulation, code, court order or other requirement imposed on us if we act or choose not to act; or • abnormal or unforeseeable circumstances including but not limited to systems, network or equipment interruptions or failures, which are outside our (or our agents’ and/or subcontractors’) control and which we could not have avoided despite all efforts etforts to the contrary; or • a merchant or ATM retaining or not accepting your payment device or instructions (or the way in which it is conveyed to you). If these overlap with your rights in clause 6 (‘What should you do if you suspect an incorrect, unauthorised or mistaken electronic payment from your account?’) then that clause will apply.