These Terms & Conditions apply to your Ffrees Account and Ffrees Card You must read them carefully. In these Terms & Conditions:

"Additional Card Holder" means the person you have authorised to receive a Ffrees Card and undertake transactions on your behalf.

"Additional Ffrees Card" means any additional, secondary or companion cards you authorize to be issued on your Ffrees Account

"Distributor" means a Ffrees Family Finance Ltd who may distribute your Ffrees Card to you on our behalf.

"Ffrees Account" means your Ffrees Family Account, Ffrees Plus Account, Ffrees Premium Account or other online e-money account associated with your Ffrees Card accessed securely through the Website.

"Ffrees Account Holder" means the holder of a Ffrees Account.

"Ffrees Card" means the Ffrees Visa Debit Card issued to you, and any additional, secondary or companion cards you authorise to be issued on your Ffrees Account. Your Ffrees Card is an e-money product issued by Contis Financial Services Limited, Navigation House, Belmont Wharf, Skipton, North Yorkshire, BD23 1RL, which is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 (registered number 900025) as an e-money issuer.

"You" means the named Ffrees Card Holder being the authorised user of the Ffrees Card and Ffrees Account and any Additional Card Holder.

"We", "us" or "our" means Contis Financial Services Ltd. or the Distributor acting on its behalf

"Website" means the website at www.ffrees.co.uk

You can download a copy of these Terms & Conditions at any time from our Website.

Contact Customer Services either through your Ffrees Account or by:

- Telephone: 03332 023 640 calls are charged at the UK national landline rate;

- Post: Contis Financial Services Ltd., l1st Floor, Navigation House, Belmont Wharf, Skipton, North Yorkshire, BD23 1RL;

- Email: support@card.ffrees.co.uk;

- Lost and Stolen Card Line: 01756 693 275 calls are charged at the UK national landline rate.

SMS services (for registered cardholders): 07770 500500 standard mobile phone charges apply, a fee is charged for SMS services please refer to Section 20 on Fees and Limits.

You can use the Ffrees Card at all locations that display the Visa acceptance mark, including shops, restaurants, online, or on the telephone. You can also use your Ffrees Card to make cash withdrawals at ATMs and for making transactions overseas. Before using the Ffrees Card you need to make sure there are enough funds available. You will not be able to use your Ffrees Card after its expiry date.

Your Ffrees Card is not a credit card. Funds held by us on your behalf are not deposits and you will not earn any interest on any money added to your Ffrees Account..

Where you have requested Additional Card Holders, you authorise us to issue a Ffrees Card to the Additional Card Holder and you authorise the Additional Card Holder to authorise transactions on your behalf.

To be issued with a Ffrees Card you must be at least 18 years old and a UK resident.

We may require evidence of your identity and your residential address. We may ask you to provide some documentary evidence to prove this and we may carry out checks on you electronically.

You can request an Additional Card Holder who must be at least 13 years old. You may be charged a fee for the Additional Ffrees Cards detailed in Section 20 on Fees and Limits. We will not issue any Additional Ffrees Cards unless there is a balance of at least £50 on your Ffrees Account.

You must sign the signature strip on the back of the Ffrees Card as soon as it is received. You must then activate your Ffrees Card before you can access the funds. Your Ffrees Card must be activated within 3 months of it being issued or it will be automatically cancelled and your account will be closed. Your Ffrees Card can be activated online through your Ffrees Account or by telephone. You will be given a PIN during the activation process which you will need to memorise.

Use of a Ffrees Card by an Additional Card Holder will be regarded as confirmation to us that you have communicated these Terms and Conditions to them and that they have accepted them. By activating your Ffrees Card you are agreeing to these Terms and Conditions.

You may pay-in to your Ffrees Account in cash at selected retail outlets, transfers from your bank account, using your existing bank debit card and any other method notified on the Website from time to time. You cannot pay-in to your Ffrees Account by a balance transfer from a credit card.

A fee may apply for an add money event you make; please refer to Section 20 on Fees and Limits. Certain minimum and maximum limits apply to your Ffrees Card and Ffrees Account; such limits are detailed in Section 20 on Fees and Limits.

We reserve the right to refuse to accept any particular pay-in transaction if we suspect any fraudulent activity or in the event of other exceptional circumstances.

Once we have received the funds from you, your funds will be available for use without delay.

You may transfer funds to your envelopes within your Ffrees Account, details are available at the Website. You are responsible for ensuring there are enough funds in your available balance for us to authorize your transactions or enough funds in your envelopes to pay any future standing orders you have set up.

You can request to receive SMS notification when money is added to your Ffrees Account, please refer to Section 20 on Fees and Limits for the fees that would apply.

Your Ffrees Card can be used for purchases where you see the Visa acceptance mark displayed. You are not, however, permitted to use the Ffrees Card for illegal purposes or to pay for certain types of transactions including automated fuel dispensers. For more information on using your Ffrees Card please go to our Website.

You will need your PIN to make ATM cash withdrawals and to authorise Chip and PIN retail purchases. You can withdraw cash at ATMs bearing the Visa acceptance mark.

Limits apply to daily ATM cash withdrawals, and other limits may be applied to the amount of spend and the number of transactions you can perform. See Section 20 on Fees and Limits and our Website for further details.

We will deduct the value of your transactions from the balance on your Ffrees Account as soon as they are made. We will also deduct any applicable fees as soon as they become payable by you, see Section 20 on Fees and Limits for more information.

Your Ffrees Card is denominated in Sterling. If you make a purchase or carry out an ATM cash withdrawal in any other currency we will convert the sum into the Sterling using the exchange rate set by Visa on the day they process the transaction. An international transaction fee will apply to each of these transactions (see Section 20 on Fees and Limits).

We recommend that you check the balance and any recent transactions on your Ffrees Card regularly through your Ffrees Account or by contacting Customer Services.

If you dispute a transaction that has been processed on your Ffrees Card you should contact the merchant first as this may lead to a quicker resolution. If the dispute cannot be resolved with the merchant you should contact us. We will refund the amount of any transactions which our investigations show are not authorised by you, provided you have kept your Ffrees Card and PIN secure, you have not acted fraudulently, or acted without reasonable care.

The Ffrees Card belongs to us. We may ask you to stop using your Ffrees Card and return it to us or destroy it. We may at any time suspend, restrict or cancel your Ffrees Card or refuse to issue or replace a Ffrees Card for reasons relating to the following:

• we are concerned about security of your Frees Account or Ffrees Card we have issued to you;

• we suspect your Ffrees Card is being used in an unauthorised or fraudulent manner;

• or we need to do so to comply with the law.

If we do this, we will tell you as soon as we can or are permitted to do so after we have taken these steps. We may cancel your card if it is dormant for a period in excess of 6 months.

Like other payment cards, we cannot guarantee a retailer will accept your Ffrees Card. We may also refuse to pay a transaction:

• if we are concerned about security of your Ffrees Card or Ffrees Account or we suspect your Ffrees Card or Ffrees Account is being used in an unauthorised or fraudulent manner;

• if sufficient funds are not available in your Ffrees Account at the time of a transaction to cover the amount of the transaction and any applicable fees;

• if there is an outstanding shortfall on the Ffrees Card in accordance with Section 10;

• if we have reasonable grounds to believe that you are not using your Ffrees Card or Ffrees Account in accordance with these Terms and Conditions;

• if we believe that a transaction is potentially suspicious or illegal (for example, if we believe that a transaction is being made fraudulently); or

• because of errors, failures (whether mechanical or otherwise) or refusals by merchants, payment processors or payment schemes processing transactions.

If we refuse to authorise a transaction, we will, if practicable, tell you why immediately unless it would be unlawful for us to do so. You may correct any information we hold and which may have caused us to refuse a transaction by contacting Customer Services.

Subject to the features of your particular Ffrees Card or Ffrees Account, the authorisation of a transaction can include authorising any single transaction, a series of transactions or recurring transactions (including transactions for an indefinite period) or pre-authorising future transactions of a certain or uncertain amount.

A Ffrees Card transaction will be regarded as authorised by you where you authorise the transaction at the point of sale by following the instructions provided by the merchant or retailer to authorise the transaction, which includes:

• entering your PIN or providing any other security code;

• signing a sales voucher;

• providing the Ffrees Card details and/or any other details as requested;

• waving or swiping the Ffrees Card over a card reader.

A Ffrees Card ATM cash withdrawal will be regarded as authorised by you when you insert your frees Card and enter your PIN to request a cash withdrawal at an ATM.

A Ffrees Account transaction will be regarded as authorised by you when you access your Ffrees account using your personal security details and submit a transaction request.

Authorisation for a transaction may not be withdrawn (or revoked) by you once we have received it. However, the following transactions may be withdrawn if you give notice to the supplier (providing a copy of the notice to us):

• any transaction which is agreed to take place on a date later than the date it was authorised as long as notice was provided no later than the close of business on the business day before it was due to take place.

We may charge you a fee if a transaction is revoked by you under this condition (see Section 20 on Fees and Limits).

Funds to cover the authorised transactions received by us will be paid to the merchant within 3 days following the receipt by us of the instruction to make payment. A transaction will be received as follows:

• for purchases and ATM transactions, at the time we receive the transaction instruction from the merchant or ATM operator;

• for other transactions which are communicated directly to us, at the time you ask us to complete the transaction or if after 2.30pm for CHAPS transfers and 5pm for other bank transfers the instruction will be deemed to have been received by us on the following business day.

You have a legal right to cancel your Ffrees Card up to 14 days (this 14 day period is known as the "Cooling-Off Period") from the date you purchase it without incurring any penalty or charge. You can also cancel your Ffrees Card any time after the Cooling-Off Period subject to a Redemption Fee (see Section 20 on Fees and Limits).

We may also cancel your agreement for any reason by giving you at least 2 months notice:

• if this agreement or your Ffrees Card expires on a set date and we have not agreed to renew your card or this agreement;

• if you break an important part of this agreement, or repeatedly break the agreement and fail to resolve the matter in a timely manner;

• if you act in a manner that is threatening or abusive to our staff, or any or our representatives;

• if you fail to pay fees or charges that you have incurred or fail to put right any shortfall due on your Ffrees Card or Ffrees Account

We may also cancel your Ffrees Card immediately if we suspect fraud or misuse of your Ffrees Card, if we have any other security concerns or we need to do so to comply with the law. If we do this, we will tell you as soon as we can or are permitted to do so. In these circumstances, you must tell us what you want us to do with any unused funds within 3 months of the date we tell you your Ffrees Card is cancelled.

You can cancel your Ffrees Card by contacting Customer Services. You should also cut your Ffrees Card in half through the signature box, magnetic strip and Chip. You will not be entitled to a refund of money you have already spent on transactions authorised, or pending or any fees for use of the Ffrees Card before the Ffrees Card is cancelled or expires.

Your Ffrees Card will be valid for 36 months.

This agreement shall terminate when your Ffrees Card is cancelled or expires and is not replaced.

You may request a redemption of the funds on your Ffrees Card or Ffrees Account. To do so you must contact Customer Services requesting a redemption and confirming that your Ffrees Card has been destroyed by cutting it up. When we process the redemption, we will charge a Redemption Fee (see Section 20 on Fees and Limits) if one of the following circumstances applies:

• You are requesting redemption before termination or expiry of this agreement;

• You cancel this agreement before any agreed termination or expiry date; or

• You request redemption more than one year after the date of termination or expiry of this agreement.

We will not redeem the value of the funds on your Ffrees Card or in your Ffrees Account to you if your request for redemption of the funds is more than six years after the date of termination or expiry of this agreement.

All funds will be returned to you on the payment instrument used to pay-in to your Ffrees Account or to a bank account in your name. We reserve the right to see proof of your ownership of the payment instrument or bank account before transferring the funds to it. To enable us to comply with our legal obligations, we may ask you to provide us with certain information such as identification documents before we can process your refund request.

You may be entitled to claim a refund in relation to transactions where:

• the transaction was not authorised under this agreement;

• we are responsible for a transaction which was incorrectly executed by us (see lost, stolen or unauthorised payment section);

• a pre-authorised transaction did not specify the exact amount at the time of its authorisation and the amount charged by a supplier is more than you could reasonably have expected taking into account normal spending patterns on the Ffrees Card or the circumstances of the transaction. A claim for a refund in these circumstances will not be accepted if the amount of the transaction was made available to you at least 4 weeks before the transaction date or if the claim is made more than 8 weeks after being debited to your account.

You should treat your Ffrees Card like cash. If it is lost or stolen, you may lose some or all of your money on your Ffrees Card, in the same way as if you lost cash in your wallet or purse. As a result, you must keep your Ffrees Card safe and not let anyone else use it. If you are issued with a PIN, you must immediately memorise it and destroy the notification. You must keep your PIN secret at all times; never disclose your PIN or security information to anyone. Security information includes your login and password details used to access your Ffrees Account or any other website where your card details are stored.

We recommend that you check the balance on your Ffrees Card and in your Ffrees Account regularly through your Ffrees Account. We can provide you with your Ffrees Card balance and a statement of recent transactions either by electronic means or through your Ffrees Account at any time. Your statement will show:

• information relating to each Ffrees Card or Ffrees Account transaction which will enable it to be identified;

• the amount of the Ffrees Card or Ffrees Account transaction shown in the currency in which the transaction was paid or debited to the account;

• the amount of charges for the transaction;

• the date the transaction is authorised or posted on to the account.

Paper statements are available on request and are subject to a fee (see Section 20 on Fees and Limits).

If you lose your Ffrees Card or it is stolen, or you suspect that your PIN or password is known to an unauthorised person, you must tell us immediately by logging onto your Ffrees Account and notifying us, your Ffrees Card will immediately be cancelled. Alternatively you can call us on our Lost and Stolen Card Line so we can cancel your Ffrees Card. If, after reporting a lost card, you subsequently find the card you must not use it. Cut it in half through the signature box, magnetic strip and Chip.

If you believe any of your Ffrees Card or Ffrees Account transactions are unauthorised or incorrectly executed you must notify us as soon as possible but within 13 months of the date of debit. If you ask us to do so, we will investigate any disputed transaction or misuse of your Ffrees Card or Ffrees Account and we may need more information and assistance from you.

Your maximum liability for any unauthorised transactions on your Ffrees Card is £50, unless the investigations show that any disputed transaction was authorised by you, or you have acted fraudulently or with gross negligence (for example by failing to keep your Ffrees Card or PIN secure or by failing to notify us and without delay on becoming aware of the loss, theft, misappropriation or unauthorised use of the payment instrument), in which case we will not refund the transaction amount and will charge you a fee of up to £50 for any loss we suffer because of the use of the Ffrees Card.

Provided you have not acted fraudulently we will refund the amount of any transactions which our investigations show are not authorised by you arising after you notify us of the loss, theft, misappropriation or unauthorised use of your Ffrees Card.

In the event that you do not use your Ffrees Card or Ffrees Account in accordance with these Terms and Conditions or we find that you are using the Ffrees Card or Ffrees Account fraudulently, we reserve the right to charge you for any reasonable costs that we incur in taking action to stop you using this Ffrees Card and to recover any monies owed as a result of your activities.

In the unlikely event, for any reason whatsoever, a transaction is completed when there are insufficient funds on the Ffrees Card for that transaction (a "shortfall"), the shortfall shall be reimbursed by you unless it is due to an error on the part of the retailer where the Ffrees Card was presented, in this circumstance we may seek the shortfall from the retailer.

You agree that once we make this shortfall known to you, we may charge you for the shortfall amount. We may charge the amount of the shortfall from any other Debit or Prepaid Cards that you hold with us, to any other payment method which you may designate at that time, or against any funds which you may subsequently load onto your Ffrees Card or on any additional Ffrees Card ordered by you. Until we are reimbursed the shortfall amount, we may suspend your Ffrees Card and any additional Ffrees Cards connected to you. In addition, we reserve the right to charge you an Administration Fee (see Section 20 on Fees and Limits) for each transaction that you make using your Ffrees Card that results in a shortfall or increases the shortfall amount on your Ffrees Card.

You agree to honour all transactions carried out by the Additional Card Holder and will be responsible for the use of the Additional Ffrees Card and for any applicable fees and charges the Additional Card Holder may incur. You agree that you have permission from the bill payer to access our SMS services.

Like other payment cards, we cannot guarantee a retailer will accept your Ffrees Card, or that we will necessarily authorise any particular transaction. This may be because of a systems problem, something outside our reasonable control, to comply with legal and regulatory requirements, or because we have suspended, restricted or cancelled your Ffrees Card or refused to replace it in accordance with these Terms and Conditions. We shall not be liable in any event that a retailer refuses to accept your Ffrees Card, or if we do not authorise a transaction, or if we cancel or suspend use of your Ffrees Card.

From time to time, your ability to use your Ffrees Card or Ffrees Account may be interrupted, e.g. when we carry out maintenance. If this happens, you may be unable (a) to use your Ffrees Card to pay for purchases or obtain cash from ATMs and/or (b) to obtain information about the funds available in your Ffrees Card and/or about your recent transactions. We will not be liable for any loss arising from such interruptions.

Unless otherwise required by law, we shall not be liable for any direct or indirect loss or damage you may suffer including loss of revenue, goodwill, opportunity or anticipated savings as a result of your total or partial use or inability to use your Ffrees Card or Ffrees Account, or the use of your Ffrees Card or Ffrees Account by any third party.

We are not responsible for the quality, safety, legality or any other aspect of any goods or services purchased with your Ffrees Card. Remember that once you have used your Ffrees Card to make a purchase we cannot stop that transaction.

For the SMS services we offer, we are not responsible for lost, late or undelivered text messages, notifications or communications. We accept no responsibility for any technical, computer, online, telephone, cable, electronic, software, hardware, transmission, connection, internet, website or other access issue which may hinder your ability to access the SMS services.

We may change these Terms by notifying you by e-mail or other agreed means at least 2 months before the change is due to take effect. The notices and up-to-date version of the Ffrees Card Terms and Conditions will always be available on the Website. You should check the site regularly for such notices and changes.

Unless you tell us that you do not agree to the change prior to the change being effective we will assume you accept such change. Any objections to our charges will be treated as notification that you wish immediately to terminate. In such circumstances we will refund any balance on the Ffrees Card (in accordance with your right to a refund section) and you will not be charged a Redemption Fee.

Any changes to the exchange rate used to convert foreign transactions will be made immediately. You can find the exchange rate for a transaction made in a currency other than in Sterling on a given date at: