CREDIT CARD AGREEMENT REGULATED BY THE CONSUMER CREDIT ACT 1974   This is a copy of your Agreement for you to keep. It includes a notice about your cancellation rights which you should read.   Halifax Credit Card - conditions of use 1 Important financial information   1.1 We will decide your credit limit and tell you what it is. We may change it at any time and will let you know about any change. We will only reduce your credit limit if we have a good reason, for example, your circumstances change or because of our experience of the risks of lending. 1.2 We will charge interest as follows.   ClassicCard On balance transfers, related interest and charges On cheques, related interest and charges On cash advances, related interest and charges On purchases and all other amounts Special promotion rate 0% each month N/A N/A 0% each month Special promotion start date From account opening N/A N/A From account opening Promotion Period 5 months N/A N/A 5 months Monthly rate (variable) 1.313% eachmonth 1.667% each month 1.736% each month 1.313% each month Annual Percentage Rate (variable) 16.9% APR 21.9% APR 25.4% APR 16.9% APR PlatinumCard On balance transfers, related interest and charges On cheques, related interest and charges On cash advances, related interest and charges On purchases and all other amounts Special promotion rate 0% each month N/A N/A 0% each month Special promotion start date From account opening N/A N/A From account opening Promotion Period 5 months N/A N/A 5 months Monthly rate (variable) 1.167% eachmonth 1.667% each month 1.667% each month 1.167% each month Annual Percentage Rate (variable) 14.9% APR 21.9% APR 24.4% APR 14.9% APR   The special promotion rate will apply as shown above. We may send you notice about other special promotion rates under condition 8.2. We make a handling charge of 2% (at least £2) for cash advances. When we work out the APRs, we do not take into account any changes to the interest rates, charges or fees. We may change these and introduce new charges or fees at any time by giving you notice under condition 8.2.   1.3 We apply the interest rates to your average daily balance and charge it to your account each month. So the earlier you make a payment, the less interest you have to pay. However, if you pay the total balance shown on your current statement (and have paid the total balance on the previous statement) by the payment dates, we will not charge you interest on purchases shown on your current statement. Other than as described above, we will charge you interest on purchases and cash advances from the date of the transaction and for cheques, balance transfers and all other amounts from the date we first charge the amount to your account. If you have not paid an amount shown on one statement at the date of the next statement, we will add the interest we have charged on that amount to the balance we charge interest on. We will continue to charge interest, at our usual rates, on any unpaid balance after this agreement has ended and both before and after we have got a court judgment. In any month we may allow you to miss or reduce your monthly payment. If we do this, we will continue to charge interest on the full amount you owe on your statement (including on the interest for that month). 1.4 We will send you a monthly statement, unless there have been no payments into or out of the account during that period and the balance on the account is nil. You must repay 2% of the amount you owe us, or £5, whichever is more. If the amount you owe is less than £5, you must pay the full amount. Your statement will show the minimum you must pay and the payment date. 1.5 If you make transactions in a foreign currency, we will change the amount to sterling at the exchange rate used by the payment system. We will charge 2.75% of the value of each foreign-currency transaction. The sterling amount shown on your statement will include this charge. If the transaction is a cash advance, we also charge the cash advance handling charge shown in condition 1.2. 1.6 You must also pay the following charges. £25 each time you do not make a minimum payment by the payment date. £25 if your account balance is over your credit limit on a statement date. £20 each time a direct debit, cheque or other item is not paid, including a cheque which you write. We may change these and introduce new charges at any time by giving you notice under condition 8.2.   2 Words with special meanings   'We', 'us' and 'our' mean Halifax plc and any organisation that takes over the benefits of this agreement. The words 'you', 'your' and 'yours' refer to the person who entered into this agreement with us. The following words appear in bold because they have a special meaning. Balance transfer - any balance we allow you to transfer from another UK account. Card - any credit card that we give you or any additional cardholder to use with your account. Cash advance - cash, traveller's cheques or foreign currency obtained by using the card. Cheque - a cheque which we send you to draw money from your account. Continuous payment authority – your instruction for us to make regular payments to someone. We will pay them when the person you have authorised to receive the payment asks us to. Payment date - the date by which you must make your minimum monthly payment. Payment system - the payment system under which we issue the card and any of the people or organisations who own and operate the system. Pin - your personal identification number for you or any additional cardholder to use with the card. Purchases - goods and services bought using the card or card account number. Transaction – a purchase, balance transfer or cash advance made or cheque drawn by you or any additional cardholder.   3 Using your account   3.1 We will open a credit card account for you and give you and any additional cardholder a card each. As long as this agreement covers it, we may send you a different type of credit card from the one you asked for, and replace it with a different type of credit card. We may refuse to replace a card if you do not keep to this agreement. You must not let your account go over your credit limit or use your account if it is already over your credit limit. Your account must not be used for illegal transactions. We will charge to your account any amounts arising under transactions, which you or any additional cardholder make, and any other amounts you have to pay us under this agreement. 3.2 You cannot use cheques to pay off any amounts you owe us or to make payments in foreign currencies. 3.3 Cards and unused cheques belong to us. If we ask you to, you must not use them and must return them to us. We will only ask for them if we have a good reason. For example, if you are not keeping to this agreement, or for security, technical or design reasons. If we ask you to return the card or if we believe the card is being misused, we may also put a 'stop' on it. This will prevent you from using it. We may change the account number or pin at any time if we have a good reason. You or any additional cardholders must only use the cards between the 'valid from' and 'end dates' printed on them. 3.4 We will only accept that you have paid any money you owe us when we receive your payment at our processing centre. We use all payments you make first to pay off amounts that we do not charge interest on. Then we pay off amounts that we charge interest on, starting with those which we charge interest on at the lowest rate, then those with interest at the next lowest rate and so on up to the highest rate of interest. This will apply even if you ask us to use payments in any other way.   4 Stopping payments and refunds   4.1 You can stop a cheque if you tell us before we pay it. You can stop a continuous payment authority if you tell the person you are paying in time. You cannot stop other transactions. 4.2 We will only make a refund to your account if we have reasonable proof that you are entitled to a refund.   5 Security   You must sign your card and make sure that any additional cardholders sign their cards as soon as you get them. You must make sure that you and any additional cardholders: keep the card and cheques safe and keep the pin and other security information secret at all times; do not allow anyone else to use your card, pin or other security information; always learn your pin and other security information and destroy any notice of the pin straightaway; and do not write down or record your pin or other security information without disguising it.   6 Lost and stolen cards   6.1 You must call us immediately on 0845 7203099 if the card or cheques are lost or stolen or could be misused, or someone other than you or any additional cardholder knows the pin. You need to give us the card number. If we ask, you must write to us within seven days to confirm your call. The address is Halifax Card Services, Pitreavie Business Park, Dunfermline, Fife KY99 4BS. Generally, you will not be liable for misuse of a card, cheque, or pin (other than by you or an additional cardholder). You will be liable (unless you are protected by the Distance Selling Regulations 2000) for misuse by a person who got the card with your permission until you tell us about the possibility of misuse. We may give the appropriate authorities any information we consider relevant about the loss, theft or misuse of a card, card account number, cheque, or pin. 6.2 If you find any card or cheque after you report it under condition 6.1, you must cut it in half and, if we ask, return it to us.   7 Breaking the agreement and if you die   If the agreement is broken, we will charge you for any loss, costs or expense we have to pay as a result. You must pay us immediately any amount you owe that is more than your credit limit and the amount of any transaction that breaks this agreement. We may ask for immediate payment of the full amount you owe if: you break this agreement repeatedly or in any significant way; you die; you have told us something misleading or false; or you are in financial difficulties (for example, you are likely to be made bankrupt). We will follow the correct legal requirements when we do this.   8 Changes   8.1 You must write to us immediately if you or any additional cardholder change your name or address. 8.2 We can change this agreement, including the interest rates and charges, for any good reason. We will give you at least 30 days' notice in writing of any change. This condition does not apply to changes to the credit limit, which we can change under condition 1.1 above. 8.3 We may offer you benefits along with your account and we will tell you what benefits we offer. We may change, withdraw or suspend these benefits at any time by giving you reasonable notice.   9 How we limit our liability   We always try to provide a high level of service, but we will not be liable if: a card is damaged; any person or machine refuses to accept a cheque or a card, or keeps it; or we cannot carry out any of our responsibilities to you because of strikes, power cuts, equipment faults, or other causes beyond our reasonable control.   10 Additional cardholders   You must pay for all transactions made by any additional cardholder. This applies even if the additional cardholder makes you break this agreement. We may give any additional cardholder information about your account. You may only cancel any additional card by cutting it in half and, if we ask you to, by returning it to us.   11 Ending or suspending this agreement   11.1 You may end this agreement immediately by giving us written notice. We may end this agreement by giving you written notice. Normally our notice will be at least 30 days, but, if there are exceptional circumstances for doing so, we can end this agreement immediately. If we do this, we will send you notice immediately after the agreement has been ended, unless by law we must tell you first. If your agreement is ended, you must pay us everything you owe (including amounts we have not yet put on the account). You must also destroy all cards, by cutting them in half, and destroy all unused cheques, or return them to us if we ask. 11.2 We may restrict or suspend your account at any time without notice if we reasonably believe it is necessary for business or security reasons.   12 Transferring rights under this agreement   12.1 You may not transfer any of your rights or duties under this agreement. 12.2 We may transfer any or all of our rights or duties under this agreement to another organisation (including organisations outside the European Economic Area). If we do this, we may let them have any information about you or an additional cardholder. We may also arrange for any other person to carry out our rights or duties under this agreement. Your rights under this agreement and your legal rights (including under the Consumer Credit Act 1974) will not be affected.   13 General   13.1 We may send any notice or other information to the last address you gave us. We will treat them as arriving four days after we posted them (if sent to an address in the UK) or 10 days after we posted them (if sent abroad). 13.2 We can monitor and record phone calls to or from us. We do this to check what was said and also to help us train our staff. 13.3 We can delay in enforcing, or fail to enforce, our rights under the agreement without losing them. We may also accept part-payments marked as 'payment in full' or with similar wording without losing our right to claim full payment. 13.4 Each paragraph and subparagraph in these conditions is separate from the others. This means that, if we cannot enforce any one paragraph or subparagraph, it will not affect our right to enforce any of the others. 13.5 Nobody other than we or you can enforce any part of this agreement, under the Contracts (Rights of Third Parties) Act 1999. 13.6 This agreement is governed by English law.   Our aim is to please – but we know that sometimes things go wrong. A copy of our complaints procedure is available on request. If you need further help, ring our Customer Complaints Helpline on 0845 600 8000. Complaints we cannot settle may be referred to the Financial Ombudsman Service. We recommend that you read the Card Care and Credit Card Repayment Cover policies.