Common use of Your banking Clause in Contracts

Your banking. This Part 2 of the Agreement applies to the different ways to carry out your banking. Depending on the features of the Accounts and products and services that you take up, you may use: • a debit or cheque card to transact on your Account; • a credit card to carry out transactions using a credit facility; • eBanking to access and transact on your Account via the internet or cellphone or by using an application on a smartphone, tablet or similar device; • CashSend to transfer money within South Africa to a recipient who withdraws the money at one of our ATMs; • NotifyMe to stay up to date with transactions on your Account; • Telephone Banking to make enquiries and to give us instructions for transactions by telephone, including interactive voice response self-service; and • a Garage card linked to your bank account or to your credit card account to carry out transactions related to fuel, parts, tollgates and services. If you have a credit card you will also be required to enter into a credit card facility agreement with us. In this Part we refer to debit, cheque and credit cards (and garage cards where relevant) as “your Card” and the term “Account” includes a Credit Card Account. You can use your Card to withdraw cash, deposit money, transfer money and pay for goods and services where your Card is accepted as a means of payment. Your Card expires on the date shown on the Card. When your credit card facility agreement ends or your Account to which your debit card is linked is closed, you agree to destroy the Card by cutting it up. See below the risks to you of someone using your Card, including one that you fail to destroy. You authorise Card transactions in your presence by presenting your Card and signing a transaction slip, by presenting your Card and entering your personal identification number, called a PIN, into a point-of-sale terminal, by presenting your Card or cellphone and tapping it on a point-of-sale terminal or accepting the transaction on your cellphone. You authorise Card transactions remotely without presenting your Card (e.g. by telephone or over the internet) by providing your Card number, its expiry date and its security number. This carries a higher risk of fraud and disputes than when you authorise Card transactions in your presence. You agree: • to sign your Card on the signature strip on the reverse side as soon as you receive it; • not to allow anyone else to use your Card; and • to keep your Card securely in your possession. eBanking enables you to transact on your Account via the internet or cellphone and by using an application on a smartphone, tablet or similar device, which you may need to upgrade from time to time to continue to access eBanking. CashSend enables you to transfer money within South Africa via eBanking or at one of our ATMs to a recipient with a South African cellphone number, who withdraws the amount transferred at one of our ATMs. If the recipient does not withdraw the money within 30 (thirty) days after you make a transfer the amount you intended to transfer will be credited back to your Account, without interest. If you take up NotifyMe, our messaging service, we send you an SMS message or email to notify you of transactions on your Account when we become aware of them, which may not always be on the same day that the transaction occurred. We give you a PIN to help prevent anyone else from using your Card or accessing your Account via eBanking or Telephone Banking. You also choose a password to help prevent anyone accessing your Account via eBanking. For certain services or transactions, we may also use extra security measures or procedures (e.g. a random verification number or “RVN”). You agree not to disclose your PIN or password or RVN (if applicable) to anyone. When you use CashSend to transfer money, the recipient withdraws it from one of our ATMs by entering the amount, a reference number that we send by SMS and an access code that you select. You agree not to share the amount of the transfer or the access code with anyone other than the recipient. It is your responsibility to provide the correct cellphone number for our SMS. The security of your Account is at risk if: • you lose your Card, it is stolen or if someone else uses it; or • someone knows your PIN or eBanking password. You agree to tell us straight away if your Account is at risk by calling us on ▇▇▇▇ ▇▇ ▇▇ ▇▇ and to retain the reference number that we give you. If what you tell us indicates that your Card is at risk, we will cancel it. If what you tell us indicates that your eBanking or Telephone Banking is at risk, we will suspend your service. If someone uses your Card or accesses your Account via eBanking or Telephone Banking before you tell us that your Account is at risk, you will be responsible for all expenditure incurred on your Card and all transactions on your Account by eBanking or Telephone Banking until you tell us that your Account is at risk. If someone uses your Card or accesses your Account via eBanking or Telephone Banking after you have told us that your Account is at risk, you will be responsible for all expenditure incurred if and to the extent that: • you used your Card, eBanking or Telephone Banking; • allowed your Card, eBanking or Telephone Banking to be used by someone else; • you were careless about the security of your Card or your PIN or your eBanking password and this contributed to your Card, eBanking or Telephone Banking being used by someone else; or • you accessed eBanking using a device which has had its security features tampered with or disabled. We may set limits on the value of transactions permitted on your Card or via eBanking and Telephone Banking. You may set lower limits for your protection or ask us for higher limits. There are limited circumstances in which you may be able to reverse payments for goods and services that you have paid for using your Card, subject to card issuer rules. We cannot cancel or reverse eBanking, Telephone Banking payments or prepaid purchases (e.g. prepaid electricity, data or airtime), even if you enter an incorrect amount, account number, branch clearing code or cellphone number. You acknowledge that we do not check whether the beneficiary details that you enter are correct. We cannot cancel or reverse CashSend transfers. The person who knows the amount of the transfer, the reference number that we send by SMS and the access code that you select can withdraw the amount transferred. This could happen, for example, if you give us the wrong cellphone number for our SMS and send the amount of the transfer and access code to the same number. If you fear that someone other than the intended recipient may be able to withdraw your CashSend transfer, you can cancel the transfer before the money is withdrawn using the channel (eBanking or ATM) that you used to make the transfer. When you use your Card in a machine (e.g. ATM or point-of-sale terminal) it makes a record of the transaction and passes the payment information to be debited or credited to your Account. You agree to rely on this automated process unless you can show on reasonable grounds that the transactions appearing on your Account statements are incorrect. We may, at your request, issue additional Cards or grant additional eBanking or Telephone Banking access, to allow others to transact on your Account. This Agreement applies to any additional Cards that we issue and any additional eBanking or Telephone Banking access that we allow. You agree that you are responsible for ensuring that any additional Card that we issue or eBanking or Telephone Banking access that we allow is used in accordance with this Agreement. You are responsible for all expenditure that is incurred on any additional Card or by any additional eBanking or Telephone Banking access as if it was on your Card or your eBanking or Telephone Banking access.

Your banking. This Part 2 of the Agreement applies to the different ways to carry out your banking. Depending on the features of the Accounts and products and services that you take up, you may use: • a debit or cheque card to transact on your Account; • a credit card to carry out transactions using a credit facility; • eBanking to access and transact on your Account via the internet or cellphone or by using an application on a smartphone, tablet or similar device; • CashSend to transfer money within South Africa to a recipient who withdraws the money at one of our ATMs; • NotifyMe to stay up to date with transactions on your Account; • Telephone Banking to make enquiries and to give us instructions for transactions by telephone, including interactive voice response self-service; and • a Garage card linked to your bank account or to your credit card account to carry out transactions related to fuel, parts, tollgates and services. If you have a credit card you will also be required to enter into a credit card facility agreement with us. In this Part we refer to debit, cheque and credit cards (and garage cards where relevant) as “your Card” and the term “Account” includes a Credit Card Account. You can use your Card to withdraw cash, deposit money, transfer money and pay for goods and services where your Card is accepted as a means of payment. Your Card expires on the date shown on the Card. When your credit card facility agreement ends or your Account to which your debit card is linked is closed, you agree to destroy the Card by cutting it up. See below the risks to you of someone using your Card, including one that you fail to destroy. You authorise Card transactions in your presence by presenting your Card and signing a transaction slip, by presenting your Card and entering your personal identification number, called a PIN, into a point-of-sale terminal, by presenting your Card or cellphone and tapping it on a point-of-sale terminal or accepting the transaction on your cellphone. You authorise Card transactions remotely without presenting your Card (e.g. by telephone or over the internet) by providing your Card number, its expiry date and its security number. This carries a higher risk of fraud and disputes than when you authorise Card transactions in your presence. You agree: • to sign your Card on the signature strip on the reverse side as soon as you receive it; • not to allow anyone else to use your Card; and • to keep your Card securely in your possession. eBanking enables you to transact on your Account via the internet or cellphone and by using an application on a smartphone, tablet or similar device, which you may need to upgrade from time to time to continue to access eBanking. CashSend enables you to transfer money within South Africa via eBanking or at one of our ATMs to a recipient with a South African cellphone number, who withdraws the amount transferred at one of our ATMs. If the recipient does not withdraw the money within 30 (thirty) days after you make a transfer the amount you intended to transfer will be credited back to your Account, without interest. If you take up NotifyMe, our messaging service, we send you an SMS message or email to notify you of transactions on your Account when we become aware of them, which may not always be on the same day that the transaction occurred. We give you a PIN to help prevent anyone else from using your Card or accessing your Account via eBanking or Telephone Banking. You also choose a password to help prevent anyone accessing your Account via eBanking. For certain services or transactions, we may also use extra security measures or procedures (e.g. a random verification number or “RVN”). You agree not to disclose your PIN or password or RVN (if applicable) to anyone. When you use CashSend to transfer money, the recipient withdraws it from one of our ATMs by entering the amount, a reference number that we send by SMS and an access code that you select. You agree not to share the amount of the transfer or the access code with anyone other than the recipient. It is your responsibility to provide the correct cellphone number for our SMS. When your Account is at risk The security of your Account is at risk if: • you lose your Card, it is stolen or if someone else uses it; or • someone knows your PIN or eBanking password. You agree to tell us straight away if your Account is at risk by calling us on ▇▇▇▇ ▇▇ ▇▇ ▇▇ and to retain the reference number that we give you. If what you tell us indicates that your Card is at risk, we will cancel it. If what you tell us indicates that your eBanking or Telephone Banking is at risk, we will suspend your service. If someone uses your Card or accesses your Account via eBanking or Telephone Banking before you tell us that your Account is at risk, you will be responsible for all expenditure incurred on your Card and all transactions on your Account by eBanking or Telephone Banking until you tell us that your Account is at risk. If someone uses your Card or accesses your Account via eBanking or Telephone Banking after you have told us that your Account is at risk, you will be responsible for all expenditure incurred if and to the extent that: • you used your Card, eBanking or Telephone Banking; • allowed your Card, eBanking or Telephone Banking to be used by someone else; • you were careless about the security of your Card or your PIN or your eBanking password and this contributed to your Card, eBanking or Telephone Banking being used by someone else; or • you accessed eBanking using a device which has had its security features tampered with or disabled. We may set limits on the value of transactions permitted on your Card or via eBanking and Telephone Banking. You may set lower limits for your protection or ask us for higher limits. There are limited circumstances in which you may be able to reverse payments for goods and services that you have paid for using your Card, subject to card issuer rules. We cannot cancel or reverse eBanking, Telephone Banking payments or prepaid purchases (e.g. prepaid electricity, data or airtime), even if you enter an incorrect amount, account number, branch clearing code or cellphone number. You acknowledge that we do not check whether the beneficiary details that you enter are correct. We cannot cancel or reverse CashSend transfers. The person who knows the amount of the transfer, the reference number that we send by SMS and the access code that you select can withdraw the amount transferred. This could happen, for example, if you give us the wrong cellphone number for our SMS and send the amount of the transfer and access code to the same number. If you fear that someone other than the intended recipient may be able to withdraw your CashSend transfer, you can cancel the transfer before the money is withdrawn using the channel (eBanking or ATM) that you used to make the transfer. When you use your Card in a machine (e.g. ATM or point-of-sale terminal) it makes a record of the transaction and passes the payment information to be debited or credited to your Account. You agree to rely on this automated process unless you can show on reasonable grounds that the transactions appearing on your Account statements are incorrect. We may, at your request, issue additional Cards or grant additional eBanking or Telephone Banking access, to allow others to transact on your Account. This Agreement applies to any additional Cards that we issue and any additional eBanking or Telephone Banking access that we allow. You agree that you are responsible for ensuring that any additional Card that we issue or eBanking or Telephone Banking access that we allow is used in accordance with this Agreement. You are responsible for all expenditure that is incurred on any additional Card or by any additional eBanking or Telephone Banking access as if it was on your Card or your eBanking or Telephone Banking access.