1. Account or Cardholder Terms and Conditions

The Conditions of use—Accounts and access, and the fees and charges set out in the Fees and charges brochure ("Conditions of Use") also apply to any use by you of your card in any Mobile Wallet.

To the extent of any discrepancy, the Conditions of Use take precedence over these Terms.

You may also have additional terms issued by your Mobile Wallet provider or your telecommunications service provider which you are required to comply with.