Important Information about Tesco Bank Credit Card - PLEASE READ

Before you apply, it's important you think about whether a credit card is the right option for you. To help you do this, you
should think about these questions:

STEP ONE: What do you need the credit for?

Think about the type of finance you need. A credit card isn't suitable if you need:

• long-term borrowing;
• ways to finance your mortgage debt;
• fixed interest;
• a fixed repayment plan; OR
• a way to help you get out of financial difficulties.

STEP TWO: Do I know how credit cards work?

Make sure you understand how our credit card works so there are no nasty surprises. Remember:

• we charge different interest rates for different types of transactions, for example cash withdrawals cost more than
purchases
• some transactions attract fees - if you do a cash withdrawal, cash transaction, balance transfer, money transfer or a
transaction in a foreign currency you will have to pay fees. You will also pay interest on this fee too
• cash transactions are wire or international money transfers, finance payments such as repaying borrowing (e.g.
loans and mortgages), purchasing non-sterling currency outside of Tesco, payments to prepaid or virtual cards,
investments, share trading and spread betting
• any introductory rates that apply to your account are set out in section 3 of the Pre-contract Credit Information sheet
(the PCCI). This will outline any conditions that apply to your introductory rates
• to be able to use your account you must activate your card. Once you activate your card, we'll take this as your
instruction to process any balance transfer or money transfer request made as part of the application process
• interest rates are variable and may go up as well as down. If they increase, you will have to pay more each month.
In addition, fees may go up as well as down, and we may introduce new fees. You can close your account if either of
these things happen, but you will have to pay off your outstanding balance first
• you must pay back the amount you borrow, so make sure you can at least afford the minimum monthly payments
• if you only pay the minimum monthly repayment it will cost you significantly more overall and will take you longer to
clear your balance
• when you make a payment to your account, we use it to reduce your balance in a specific order as explained in
section 2 of your PCCI
• if you go over your credit limit, you may be charged a fee and you will be asked to pay back the full amount you are
over your limit in your next minimum payment. The fee and the minimum payment will show on your statement. If the
balance of your account is at, or close to, your credit limit when we apply interest or fees to your account, this could
make you go over your limit. We will not charge you an over limit fee if you are only over your limit due to interest,
annual fees or late fees
• you are entitled to protection when you use your credit card. If you use it to buy something between £100 and
£30,000, and receive unsatisfactory goods or services, you may have the right to make a claim against us as well as
the retailer. This doesn’t apply to money transfers or anything bought with a money transfer or cash withdrawal. This
protection may not apply if you use your card to fund an account with a third party (such as PayPal) and then pay for
goods or services with that account.

STEP THREE: Can you afford it?

The cost of a Tesco Bank Credit Card is explained in sections 2 and 3 of your PCCI. This tells you:

• how we calculate your minimum monthly payments

• the interest rates which apply
• our fees including what we'll charge if you miss a payment or are late in making a payment.

Think about your current monthly out-goings and in particular your existing financial commitments such as: your
mortgage, other credit cards or personal loans. Can you afford to maintain these if you take out a Tesco Bank Credit
Card? Will you be able to clear the balance on your Tesco Bank Credit Card every month? As a very minimum, can you
afford to make the minimum monthly repayments?

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Please remember we can change your interest rates. We'll do this if the behaviour on your account makes it look as if
you may be higher risk. We'll look at whether you meet your minimum payments or regularly go over your credit limit and
data from internal and external sources.

Missing payments could have severe consequences for your finances. You will have to pay late payment fees and
it will increase the total cost of the debt. It is also very likely to make obtaining credit more difficult and more expensive in
the future as we are likely to report non-payment to the credit reference agencies and this will adversely affect your credit
rating (which most mainstream lenders consult when assessing any borrowing application). It could also increase how
much you pay for credit. If you regularly miss payments we may have no choice but to take legal action against you to
get the money back. This could result in a court making an order against you which might result in:

• an order being granted for you to pay the debt out of your wages. A legal document is sent to your employer which
forces them to take money from your wage to pay your outstanding debt to us;
• if you live in England and Wales, us asking the court for a charging order over your home. If we have a charging
order and your home is sold (through repossession or for any other reason), any amounts you owe us will be repaid
from the sale proceeds;
• if you live in Scotland, we may get a court order which prevents you from selling your house or securing any further
debts against your home.

STEP FOUR: Other sources of information

We are happy to answer any further questions you may have about Tesco Bank Credit Card. Please contact us on 0345
300 4278 (Minicom 0345 671 0676).

If you would like detailed advice on whether to proceed with the application or would like to talk to someone independent
then contact your local Citizens Advice Bureau, the Consumer Direct helpline or the Consumer Credit Counselling
Service.

It's really important you take time to read the Pre-contract Credit Information (the PCCI). It gives you a summary
of the key features of the Tesco Bank Credit Card.

The PCCI makes it easy for you to compare the Tesco Bank Credit Card against other cards.

YOU HAVE A RIGHT TO WITHDRAW

If you decide to apply for a card then you have a right to withdraw (sometimes called a right to cancel or cool-off) from
this agreement within 14 days.

Your right to cancel will start the day after you receive the card and end 14 days after that.

To cancel your credit card you must call us on 0345 300 4278 or write to us at Tesco Bank, PO Box 344, Newcastle
Upon Tyne, NE12 2GF, and repay any outstanding balance on the card together with any interest that is due until
repayment in full is made. You have 30 calendar days to repay starting from the date of cancellation.
Calls charged at basic rate. The number provided may be included as part of any inclusive call minutes provided by your
phone operator.

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 PRE-CONTRACT CREDIT INFORMATION

1. Contact details

Creditor. Tesco Personal Finance plc trading as Tesco Bank

Address. Tesco Bank, 2 South Gyle Crescent, Edinburgh, EH12

9FQ

Telephone number(s). 0345 300 4278

Calls charged at basic rate. The number provided may be

included as part of any inclusive call minutes provided by
your phone operator

Web Address. tescobank.com

Credit Intermediary. Moneysupermarket.com Financial Group Limited

Address. Moneysupermarket House, St. David’s Park, Ewloe,

Flintshire, CH5 3UZ

2. Key features of the credit product

The type of credit. Credit Card

The total amount of credit. We'll set your credit limit once we have looked at your
individual circumstances and tell you what it is. It will vary
This means the amount of credit to be provided under the from person to person. You may request a lower limit at
proposed credit agreement or the credit limit any time. We may change your credit limit at any time
and will tell you when we do this.

How and when credit would be provided. Once your account has been opened:
• you can apply to transfer a balance up to 95.00% of
your credit limit immediately. (Once you activate your
card, we'll take this as your instruction to process this
request);
• a card will be issued to you; and
• once your card is activated, you can use it to carry out
other transactions provided you stay within your credit
limit.

The duration of the credit agreement. There is no fixed or minimum duration. The account will
remain open until it is closed either at your request or by
us.

Repayments. You must pay each month the greater of:

• the total of all interest and default fees charged on
your statement plus 1% of the new balance shown
on your statement, plus any arrears carried over from
your previous statement; or
• £25 plus any existing arrears carried over from your
previous statement (or your full balance if it’s less
than £25); or
• the amount you owe over your credit limit including
any over limit fees.

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 We can change your minimum payment if we believe that
you are likely to enter, are in, or have been in persistent
debt.

Your repayments will pay off what you owe in the If your account is in arrears, we'll clear these first (starting
following order. with the oldest) before paying off the amount due from
your most recent statement.

When you pay us, we use the money to pay off the items
with the highest interest rates first. If there's more than
one item at the same rate we pay off the item at the
rate which ends first (for example if you have 0% on
purchases for 12 months and 0% on balance transfers for
9 months, we'll pay off your balance transfer first).

We always use your payments to pay off items which

have appeared on a statement you've received, before
anything that hasn't yet appeared on a statement.

The total amount you will have to pay. £1,421.52 is what you might pay in year 1 if this happens:
• on opening your account you make one purchase with
your card to the value of £1,200;
This means the amount you have borrowed plus interest • interest is charged at the standard rate for purchases
and other costs. • you repay the £1,200 purchase amount in 12 equal
monthly payments of £100, together with all interest
accrued that month, each payment being made on
time; and
• during the year you don't carry out any more
transactions and your interest rates don't change.

3. Costs of the credit

The rates of interest which apply to

Standard Rates (all Monthly Rate Annual Rate (simple)
the credit agreement.
variable)

Purchases 2.840% 34.080%

Money transfers 2.840% 34.080%

Balance transfers 2.840% 34.080%

Cash withdrawals and 2.840% 34.080%

cash transactions
All rates are variable unless we tell you otherwise.

We calculate interest from the date the transaction or fee is charged to your
account (except default fees). Starting from your actual balance each day, we
work out your average daily balance and multiply this by your daily interest
rate (which we calculate back from your monthly rates above). We then
multiply this daily interest amount by the number of days in the month. We do
this for each type of transaction and then add these together which equals
your total interest for that month.

Annual Percentage Rate of Charge 39.9% APR

(APR).
To calculate this we have used the same assumptions used to work out your
total cost for credit.
This is the total cost expressed as
an annual percentage of the total
amount of credit.

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The APR is there to help you
compare different offers.

Related costs

Any other costs deriving from the Our fees are:

credit agreement. • for each cash withdrawal we charge 3.99% of the amount withdrawn or
£3.00, whichever is more
• for cash transactions we charge 3.99% of the transaction amount
• a handling fee of 3.99% of the amount for standard rate balance transfers
or transfers made outside of any other lower or fixed interest rate period
(see below)
• a handling fee of 3.99% of the amount for standard rate money transfers
or transfers made outside of any other lower or fixed interest rate period
(see below)
• from time to time we may write to you to notify you of lower or fixed
interest rate periods on balance or money transfers. A fee may apply to
transfers made in these periods. If so, we'll tell you what the fee is when
we notify you
• for transactions in foreign currencies, we'll charge you 2.75% of the value
of every transaction
• if the account is over the credit limit at any time during a statement period
we charge £12.00

We charge interest on interest at the same rate which applies to the

transaction type on which the interest was charged. We charge interest on
handling fees you owe at the same rate which applies to the transaction type
on which the fee was charged. We charge interest on default fees starting
28 days from when we tell you the default fee has been charged. We won't
charge any interest on this interest. We charge interest on all other fees at the
purchase rate.

There is no interest free period for cash withdrawal, cash transaction, balance
transfer or money transfer fees.

Conditions under which the above We may change any interest rates or fees that apply to your account at any
charges can be changed. time as long as you are able to end the agreement without charge. This could
include adding new fees. These changes may be personal to you and based
on a number of factors, such as credit risk and the way you use your account.
We'll give you at least 30 days' notice of any changes, unless the change is
to your advantage (for example, when we reduce your interest rate). If that's
the case, we might make the change more quickly, and will tell you about it as
soon as possible. If we increase an interest rate you can choose not to make
any further transactions using your account, in which case the revised interest
rate won't apply to you – if you want to do this, call or write to us within 60
days of being notified about the increase.

We'll always tell you if we are changing any of these:

• if we increase our fees or introduce new fee(s) we'll tell you 30 days
before it happens. If you don't want to continue to make transactions
which incur the new fee after the change, you can either avoid making
this type of transaction or you can terminate the agreement by giving us
notice, but the new fee will still apply to your agreement if you do make
any transactions which incur the fee until all amounts outstanding have
been repaid.

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 • if we reduce any fee(s) then we might tell you this is happening, or we
might just decrease the fee(s) and tell you this has happened within 30
days of the decrease.

Costs in the case of late payments. Where missed or late payments result in the minimum payment not being paid
on time, we'll continue to charge borrowing rates.

You will be charged £12.00 if you fail to pay the minimum payment on time.

If you continue not to repay after being asked, we'll charge you any
reasonable costs we incur if we have to take steps to make you repay the
balance on your account e.g. the cost of finding you if you do not tell us your
new address.

Consequences of missing payments. Please remember missing payments has serious consequences and could
result in us asking you to repay the whole balance of your account early,
taking legal action against you and affect your ability to get credit (e.g. a credit
card or a mortgage) in the future or make getting credit more expensive.

If we take legal action we may seek to recover the money you owe us direct
from your salary. If you live in England and Wales this could include us asking
the court for a charging order over your home. If we have a charging order
and your home is sold (through repossession or for any other reason), any
amounts you owe us will be repaid from the sale proceeds.

If you live in Scotland we may get a court order which prevents you from
selling your house or securing further debts against your house.

You may also have to pay our legal costs.

4. Other important legal aspects

Right of withdrawal. You have the right to withdraw from this agreement. Your
right to withdraw starts the day after you receive your first
card and ends 14 days after that.

To cancel your credit card you must call us on 0345

300 4278 or write to us at Tesco Bank, PO Box 344,
Newcastle Upon Tyne, NE12 2GF.

Early repayment. You can make payments to your account early at any
time, to repay the credit in full or partially.

Consultation with a Credit Reference Agency. If your application for a Tesco Bank Credit Card is
declined, we'll tell you why. If it's because of information
from a credit reference agency we'll tell you which
agency we consulted and give you their contact details

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 immediately and free of charge, unless we have a good
reason not to.

Right to a draft credit agreement. You can ask for a copy of our credit agreement and terms
and conditions at any time for free unless we have just
declined your application at the time you ask.

The period of time during which the creditor is bound by The information in this document is valid for 30 days.
the pre-contractual information.

5. Additional information in the case of distance marketing of financial services

(a) concerning the creditor

Registration number. Financial Services Register number 186022

The supervisory authority. The Financial Conduct Authority

(b) concerning the credit agreement

The law taken by the creditor as a basis for the If your address is in Scotland, Scottish law applies. If you
establishment of relations with you before the conclusion live elsewhere, English law applies.
of the credit agreement.

The law applicable to the credit agreement and/or the If your address is in Scotland, Scottish law will apply
competent court. to your agreement and the competent court will be in
Scotland. If you live elsewhere, English law will apply
to your agreement and the competent court will be in
England & Wales.

Language to be used in connection with the credit All communications that we send you (including the
agreement. documents containing the terms of the agreement
between you and us) will be in English.

(c) concerning redress

Access to out-of-court complaint and redress mechanism. If you make a complaint, we'll aim to resolve this as
quickly as we can. If you're still not happy, you may be
able to refer your complaint to the Financial Ombudsman
Service (FOS). You can find out more about the FOS
by calling them on 08000 234 567 or visiting financial-
ombudsman.org.uk.

page 7 of 25
 In Summary

Our pricing policy

The APR and interest rates we offer are determined by an analysis of your application details along with your credit
and repayment history (as verified by independent credit reference agencies). This analysis may mean that you don't
receive the advertised representative APR as detailed in the Summary Box below. Over half of our customers will
receive our advertised representative APR. If you don't receive the representative APR, the maximum APR you will
receive is 39.9%.

SUMMARY BOX
The information contained in this table summarises key product features and is not intended to replace any terms and
conditions.

APR Representative 29.9% APR (variable)

Rates from 29.9% APR to 39.9% APR depending on individual circumstances

Interest Rates Introductory Rate Monthly Rate Annual Rate Effective

Purchases n/a 2.207% to 2.840% 29.947% p.a. to 39.941%

p.a.

Cash Withdrawals and n/a 2.840% to 2.840% 39.941% p.a. to 39.941%

Cash Transactions p.a.

Balance Transfers n/a 2.207% to 2.840% 29.947% p.a. to 39.941%

p.a.

Money Transfers n/a 2.840% to 2.840% 39.941% p.a. to 39.941%

p.a.

Interest Free Period • Maximum 56 days for purchases if you pay your
balance (excluding any balances on a 0% interest
rate) in full and on time, and have paid the previous
month's balance in full and on time.
• There is no interest free period on cash withdrawals,
cash transactions, balance transfers or money
transfers.

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Interest Charging Information You won't pay interest on new purchases if you repay
all balances (excluding any balances on a 0% interest
rate) on your last statement by your payment due date,
and have paid the previous month's balance in full and on
time. Otherwise, the period over which interest is charged
is as follows:

From Until

Purchases, From date Until repaid in

Cash debited to your full†
withdrawals, account
Cash
transactions,
Balance
transfers
and Money
transfers

If you don't pay your balance in full (excluding any

balances on a 0% interest rate) by your payment due
date, interest will be charged on the average daily
balance until full payment is made and credited to your
account. Therefore, the longer you take to make a
payment, the more interest will be charged.

†If you pay the balance in full, any interest charge for
the period from the previous statement to the date of full
repayment will be debited the following month.

Allocation of Payments If your account is in arrears, we'll clear these first (starting
with the oldest) before paying off the amount due from
your most recent statement.

When you pay us, we use the money to pay off the items
with the highest interest rates first. If there is more than
one item at the same rate we pay off the item at the rate
that ends first.

For further details, please refer to section 6. Paying off

your balance, of the General Conditions.

Minimum Repayment Your minimum payment will be the greater of:

• the total of all interest and default fees charged on
your statement plus 1% of the new balance shown
on your statement, plus any arrears carried over from
your previous statement; or
• £25 plus any existing arrears carried over from your
previous statement (or your full balance if it’s less
than £25); or
• the amount you owe over your credit limit including
any over limit fees.
If you only make the minimum payment it will take longer
and cost more to clear your balance.

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 We can change your minimum payment if we believe that
you are likely to enter, are in, or have been in persistent
debt.

Credit Limit
Minimum credit limit £100.

Maximum credit limit Subject to status.

Annual Fee No annual fees.

Fees
Cash withdrawals 3.99% handling fee,
minimum of £3.00

Cash transactions 3.99% handling fee, (no

minimum charge)

Balance Transfers 3.99% handling fee

Money Transfers 3.99% handling fee

Foreign Usage
One or more of the
following may apply:

Payment Scheme Rates can be found at:

Exchange Rate
mastercard.com/global/
currencyconversion

Foreign Exchange Fee 2.75% of the transaction

Cash Withdrawal Fee 3.99% handling fee,

minimum £3.00

Cash Transaction Fee 3.99% handling fee, (no

minimum charge)

Default Fees
Over Limit fee £12.00

Late Payment fee £12.00

If you have any queries on the above, or require further information, simply call 0345 300 4278 and one of our advisers
will be pleased to help you.
Calls charged at basic rate. The number provided may be included as part of any inclusive call minutes provided by your
phone operator.

page 10 of 25
CREDIT CARD AGREEMENT

regulated by the Consumer Credit Act 1974.

This agreement is between us and you.

Name - MR Vinit Biplow Sharma

Address - 4A, Bracken Way

Harworth, Doncaster, DN11 8SB, GBR

Postcode - DN11 8SB

Your Credit Intermediary is Moneysupermarket.com Financial Group Limited, Moneysupermarket House, St. David’s
Park, Ewloe, Flintshire, CH5 3UZ.

When we use 'we' or 'us', we mean Tesco Personal Finance plc trading as Tesco Bank of 2 South Gyle Crescent,
Edinburgh, EH12 9FQ, and any person our rights and duties might be transferred to.

This document (which you sign), together with your General Conditions document, makes up your contract with us. It
explains the interest and fees that apply to your credit card.

Essential information

We want you to know that taking out a credit card is a big decision; you have to be confident you can pay
back the balance on your account, not just the minimum payments. Missing payments could affect your ability
to get credit in the future and increase the cost of borrowing. In really serious cases, it could also result in us
taking legal action against you, which may include obtaining a charging order over your property.

1. Interest and fees

Interest rates

Transaction type Standard Rates (variable)

Monthly Rate Annual Rate (simple)

Purchases 2.840% 34.080% p.a.

Cash Withdrawals and Cash 2.840% 34.080% p.a.

Transactions

Balance Transfers 2.840% 34.080% p.a.

Money Transfers 2.840% 34.080% p.a.

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From time to time we may get in touch to tell you about lower or fixed interest rate periods on purchases, balance or
money transfers. A fee may apply to transfers made within these periods. If so, we'll tell you what the fee is when we
notify you, along with any other relevant terms.
Fees

Transaction type Fee Notes

Introductory Balance Transfer n/a Fee will be applied to the amount

handling fee transferred

Standard rate Balance Transfer 3.99% Fee will be applied to the amount
handling fee transferred

Introductory Money Transfer handling n/a Fee will be applied to the amount
fee transferred

Standard rate Money Transfer 3.99% Fee will be applied to the amount
handling fee transferred

Cash Transaction fee 3.99% (no minimum charge) Fee applies to transactions classed
as cash transactions. These
are: wire or international money
transfers, finance payments such
as repaying borrowing (e.g. loans
and mortgages), purchasing non-
sterling currency outside of Tesco,
payments to prepaid or virtual cards,
investments, share trading and
spread betting

Cash Withdrawal fee 3.99% (minimum £3.00) Fee applies for cash withdrawals
made from ATMs, over the counter at
a bank or from a cash provider

Foreign Exchange fee 2.75% Fee applies to all transactions made

in a foreign currency

Default fees

Over Limit fee £12.00 Charged every time you go over your
credit limit or stay over the limit at any
time during your statement period

Late Payment fee £12.00 Charged if you don't make your

minimum payment on time

We'll also charge reasonable costs and expenses (including the cost of tracing you and/or recovering the money you
owe us) if you break this agreement. This may include costs that we incur before or after any court judgment.

2. Interest in detail

When and how it's charged

We'll charge you interest if you don't pay off your balance in full. It's calculated from the date a transaction or fee is
added to your account until the full balance has been paid off.

We charge interest on cash withdrawals and cash transactions from the date the withdrawal or transaction is made.

We don't charge you any interest if:

• You just make purchases, and
• You don't have any arrears on your account, and

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 • You pay the full balance on your last statement by your payment due date.

Interest on interest and fees

We charge interest on interest at the same rate which applies to the transaction type on which the interest was
charged.

We also charge interest in the following scenarios:

• On handling fees at the same rate which applies to the transaction type on which the handling fee was charged.
• On default fees, starting 28 days from when we tell you the default fee has been charged. We won't charge any
interest on this interest.
• On all other fees at the purchase rate.

Interest will continue to be charged at the rates in this agreement, including where we obtain a court judgment or
decree.

Calculating interest
We calculate interest from the date the transaction or fee is charged to your account (except default fees). Starting
from your actual balance each day, we work out your average daily balance and multiply this by your daily interest rate
(which we calculate back from your monthly rates in Section 1).

We then multiply this daily interest amount by the number of days in the month. We do this for each type of transaction
and then add these together. The result equals your total interest for that month.

3. Paying your bill

What you pay and when

You must always pay at least the minimum payment, every month, by your payment due date. This applies even if
you're waiting for a refund, in dispute with a retailer over a transaction on your account or making a claim under a PPI
policy. Refunds to your account don't count towards your minimum payment.

Your minimum payment will be the greater of:

• the total of all interest and default fees charged on your statement plus 1% of the new balance shown on your
statement, plus any arrears carried over from your previous statement; or
• £25 plus any existing arrears carried over from your previous statement (or your full balance if it’s less than £25); or
• the amount you owe over your credit limit including any over limit fees.

You must pay by the date shown on your statement. This will usually be 25 days after your statement date.

You can pay more than your minimum payment whenever you want to, and you can make an extra payment at any
time using any of the ways to pay shown on the back of your monthly statement.

4. Your credit limit and advance limit

Your credit limit

Your credit limit is the maximum amount we'll let you borrow. We'll tell you your credit limit when you first receive your
card. It will also appear on your monthly statement. It's worth noting that we can change this limit from time to time, but
we'll tell you when we do this.

Your advance limit

Your advance limit is the maximum amount of your credit you can use for cash withdrawals. We'll tell you this when
you first receive your card.

5. Making changes

Reasons why we can change your interest rates, fees or minimum payment
We can change your interest rates and fees in any of the following situations:
• There's a change (or we reasonably expect a change) in the costs we incur in providing the account (including
funding costs - for example, if there's a change in the amount we have to pay to borrow the money we lend our
customers).
• There's a change (or we reasonably expect a change) in law, regulatory or industry code requirements.

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 • If the behaviour on your account makes it look as if you're becoming a higher-risk customer. In order to work this
out we'll look at a wide variety of things, such as whether you meet your minimum payments, regularly go over your
credit limit, and additional data from internal and external sources.

We can also change your minimum payment if we reasonably believe that you are likely to enter, or are in, persistent
debt. You're in persistent debt if, over a period of 18 months, you've paid more in interest, fees and charges than you
have towards reducing your card balance. We'll let you know when we think this applies to you. We can also change
your minimum payment after you've been in persistent debt.

Changes for any other reason

We may also change your interest rates, fees or minimum payment for a valid reason not listed above, as long as
you're still able to end the agreement without charge.

More about what we take into account when changing your interest rates and fees
We'll never change interest rates or fees to cover the same cost twice, and we won't change an introductory or other
fixed rate for as long as we've agreed to keep it fixed.

If we make changes in order to comply with a regulatory or legal requirement, they'll reflect fairly the proportion of the
cost of compliance on our business, as reasonably estimated by us.

Any other changes will fairly reflect and be proportionate to changes in our costs.

When we tell you about changes

We'll give you at least 30 days' notice of any changes under this condition, unless the change is to your advantage (for
example, when we reduce your interest rate or where we’re changing your minimum payment). If that's the case, we
might make the change more quickly, and will tell you about it as soon as possible.

Your options when we make changes

If we increase an interest rate, you can choose not to make any further transactions using your account, in which case
the revised interest rate won't apply to you - if you want to do this, call or write to us within 60 days of being notified
about the increase. You must continue to pay all amounts owing under this agreement.

If we increase or introduce a new fee or charge, and you don't want to continue making transactions which incur the
new fee or charge, you can either avoid making this type of transaction or end the agreement by giving us notice by
calling or writing to us. The new fee or charge will still apply to your agreement if you make any transactions which
incur the fee or charge, until all outstanding amounts have been repaid.

If you're not happy with a change to your minimum payment, you can contact us to discuss your options. If you decide
that you no longer want to keep your account, you can end the agreement by giving us notice in writing or by calling
us. The revised minimum payment will not then apply to your agreement, but you will not be able to make further
transactions and must continue to pay all amounts owing under your agreement.

6. Example of how much you might have to pay

If you make a purchase of £1,200 which you repay in 12 equal monthly payments of £100 together with all interest
accrued that month, charged at the standard rate for purchases, each payment being made on time, the total amount
payable will be £1,421.52. The APR is 39.9% (variable).

That's assuming there are no more transactions during the payment period, and that we make no changes to the
standard rate for purchases.

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Your signature

This is a digital signature and is equivalent to signing a paper copy of the

agreement.

This is a legally binding contract. Please tick the box below and click
Complete your application if you would like a Tesco Bank Credit Card and
agree to be bound by the terms and conditions of this agreement.

✓ I Vinit Sharma agree to be bound by the terms of this credit agreement

The General Conditions (pdf) shown above forms part of this agreement

Date Signed: Mon 19-Dec-2022, 11:42

page 15 of 25
TESCO BANK CREDIT CARD GENERAL CONDITIONS
This document contains general information about your credit card. Please read it and keep it somewhere safe in case
you need to refer to it in the future. This, together with your credit card agreement, makes up your contract with us.

'You', 'we' and 'us': when we talk about 'you', unless otherwise stated we mean the main cardholder (that's the person
who opened the account). When we use 'we' or 'us', we mean Tesco Bank and any person our rights and duties might
be transferred to.

Need our help?

• For general enquiries, call 0345 300 4278 or visit tescobank.com

• If your card is lost or stolen, call 0345 300 4278 from the UK or +44 126 850 8027 from abroad.

When you call us, we'll need to check it's you.

All 0345 numbers shown in this document may be included as part of any inclusive call minutes provided by your
phone operator.

If we need to contact you:

• We might do this by phone, text, email, mobile notification or in-app messaging - you won't always get a letter in
the post.
• If we think your account might not be safe, we'll let you know by text, phone, mobile notification, email or letter.
• We'll never ask you for your full PIN, password, Online Banking security number, Mobile App passcode or any
other personal or confidential information over the phone, or via email or text. If someone contacts you and asks
you for these, don't share them.
• We'll never email you asking for confidential or personal information. If you get an email that looks like it's from
us, asking for your security details or linking to a web page asking you to login, do not respond. Forward it to
[email protected] and we'll look into it.

What's covered here

1. Changing your mind
What to do if you decide you don't want a credit card from us after all

2. Additional cardholders
How this works and what you're responsible for

3. About your card

Different ways to pay

4. Using your account

How it works

5. Transaction types, timings and restrictions

What you can do, when and where

6. Paying off your balance

How we manage and process payments

7. Managing your credit limit

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What happens if you go over your limit, and how to change it

8. Refunds
How we manage and process refunds

9. Suspensions and restrictions

When and why we'd block your card

10. Keeping your account safe

How to look after your security details and your money

11. Changing this agreement

When and why we might make changes

12. Ending this agreement

How and why we might close your account and how you can, if you want to

13. Making a complaint

What to do if you need to make a complaint

14. Other useful information

Staying up to date, legal responsibilities, additional terms and company info

1. Changing your mind

If you want to cancel your card and withdraw from this agreement, you can. You've got 14 days from the day after you
receive your card to do this, no questions asked.
If you decide to cancel and withdraw you'll need to repay any balance on your account, together with any interest or
fees due, within 30 days of telling us. We'll tell you, on request and without delay, the amount of interest payable per
day.
To cancel, call us on 0345 300 4278 or write to us at Tesco Bank, PO Box 344, Newcastle Upon Tyne, NE12 2GF.

2. Additional Cardholders
Provided you're up to date with your payments, you can ask us to add additional cardholders to this account.
You'll remain responsible for all transactions on your account, including those of additional cardholders (subject to the
terms of this agreement). This means you have to pay if additional cardholders cause you to go over your limit or do
anything that results in extra charges or a breach of this agreement. This applies even after any additional cards have
been returned.
It's down to you to make sure additional cardholders keep their details safe (see section 10 for more info) and to tell us
if you want to cancel an additional card.
We won't give other cardholders any information about your account unless you agree. However when transacting
online additional cardholders may see details about other additional cardholders on the account.

3. About your card

Before you can use your card you might need to activate it - we'll explain how to do that when you receive the card.
Contactless
We'll also tell you when you receive your card if you can use it to make contactless payments.
Chip and PIN
You can use your card to pay the traditional way, via chip and PIN. You'll get your PIN separately, either by post or
electronically, to help keep your details safe.

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Digital cards
You can choose to create digital versions of your card with services like Apple Pay so that you can make payments
without using your physical card. Depending on the service you use, you might have to set up some additional security
measures, like a passcode, fingerprint, face recognition or pair it with another device.

4. Using your account

In this section, where we refer to 'you', we mean the main cardholder plus any additional cardholder.
Making and authorising transactions
You can authorise transactions on your account by using a combination of your card, PIN, account or other security
details such as fingerprint or face recognition depending upon the type of transaction and the circumstances.
Once you've authorised a transaction it can't normally be stopped.
Paying online
You might be asked to use Mastercard Identity Check during an online transaction. If you use our Mobile App, we'll
send a notification to your device asking you to authenticate the payment. If you don't use the Mobile App you will be
sent a secure code to your phone number(s) so it's important you keep them up to date. If your phone number(s) are
out of date, we may not be able to authorise online transactions.
Contactless payments
To pay using contactless, just tap your card against the reader on a contactless terminal. Occasionally, you'll be asked
to enter your PIN - this is a security feature to help keep your money safe.
If you use a contactless card to pay for travel, you might have to tap your card against the readers at the beginning
and end of your journey - and possibly at points in between.
Limits may apply to how much you can pay using a contactless card. These are industry set limits and can change
from time to time. We'll let you know what these are when you receive your card.
Digital card payments
If you make a payment with a digital card, then you'll need to authorise the payment in line with the service or device
you're using. For example, you might use your fingerprint, face recognition or enter a code. There may be limits on
making payments with a digital card, which will be set by the service you are using.
Pre-authorisation
If you use your card to pre-authorise a transaction (for example, if you hire a car or stay in a hotel) the amount you
have authorised will be blocked. As soon as we receive notification of the exact amount to be paid from your account,
we'll release the difference.

5. Transaction types, timings and restrictions

In this section, where we refer to 'you', we mean the main cardholder plus any additional cardholder.
Card transactions
You can use your card to make purchases, cash withdrawals and cash transactions.
We may apply a limit on the amount of cash you can withdraw from an ATM in one day.
Money transfers and balance transfers
We may place restrictions on the maximum amount you can transfer. Other restrictions might apply too and we'll let
you know if we set any.
You can only transfer money or balances in UK pounds to an account in your name, held with a financial institution in
the UK.
If you request a transfer before 5pm on a business day, we'll usually make the transfer the same day. If we do, the
money will reach the bank account or other lender on the next business day. If we receive your instructions after 5pm,
we'll usually make the transfer on the next business day and it will usually reach the bank account or other lender the
business day after that.
If you make the request on a non-business day (such as a weekend or a Bank Holiday), we'll usually make the transfer
on the next business day and it will usually reach the bank account or other lender the business day after that. Interest
will be charged from when the transfer is made.
Additional cardholders can't request a money transfer or balance transfer.

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Regular payments
You can use your card to set up regular payments, which will continue until the arrangement expires or you cancel it.
If you want to cancel this type of payment, please let us know as soon as possible, by phone or in writing. It can also
be helpful to contact the person or organisation you're paying, in good time, to let them know you want to cancel the
arrangement.
Transactions in a foreign currency
Any foreign currency transactions or refunds will be converted at the exchange rate determined by Mastercard. The
exchange rate is based on rates observed in the wholesale market or government-mandated rates, where applicable.
The currency conversion will take place on the day the transaction occurs. In some limited instances, for example
if processing of the transaction is delayed, the conversion will take place the day after you make the payment or
withdraw the money. We'll also add a Foreign Exchange fee.
It's worth noting that if you get a refund on a foreign currency transaction, you could still end up with a balance on your
account if rates change between the transaction and the refund.
For transactions within the EEA, detailed information to allow you to compare the cost of making transactions abroad
can be found at tescobank.com/foreigntransactions.
For all currencies you can find current exchange rates at mastercard.com/global/currencyconversion
Cash withdrawals or cash transactions abroad
If you withdraw cash from an ATM abroad, you will be charged a Cash Withdrawal fee and a Foreign Exchange fee. If
you carry out a cash transaction abroad, you will be charged a Cash Transaction fee and a Foreign Exchange fee.
Gambling
Your card cannot be used for any form of gambling transaction except for purchasing National lottery tickets, or other
society lottery tickets, in person in a retail store.

6. Paying off your balance

Your monthly statement
We'll send you a statement in any month where you have a balance on your account or there has been any activity on
your account. This will show the balance on your account on your statement date, any payments you've made to us,
and any charges we've made since your last statement.
You can choose to turn off paper statements in Online Banking or by using our Mobile App. If you do this, we'll send
you an email to let you know when your statements are ready to view via Online Banking or the Mobile App.
What you pay and when
You must pay the minimum payment on time each month.
We'll only register payments when we've received them, so if you pay by cheque, bear in mind that it won't be applied
to your account until it has cleared, which can take up to a week.
If you go over your credit limit, or make any transactions in breach of this agreement, you must pay us immediately.
We may give you notice letting you miss a minimum payment. However, we'll still charge you interest, so your
borrowing will be more expensive as a result.
We'll let you know in writing when we consider your account to be fully and finally settled.
You must not make payments that put your account in credit. If you do, we may refund the balance at any time and
restrict the use of your card.
Missed payments
If you miss a payment, you'll be charged additional interest and fees. Your credit score could also be affected, making
it more difficult or more expensive to borrow money in the future.
If you're a homeowner, we may ask the court for a charging order over your home (or, if you're based in Scotland, the
equivalent court order). This means if your home is sold (through repossession or for any other reason) anything you
owe us will be repaid from the sale proceeds. If you're based in Scotland, the court order prevents you from selling
your house or securing any further debts against your home until your debt to us is repaid. We may also take other
forms of legal proceedings against you to recover the money you owe us.
Arrears

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If your account is in arrears, we'll clear these first (starting with the oldest) before paying off the amount due from your
most recent statement.
How we allocate your payments
When you pay us, we use the money to pay off the items with the highest interest rates first. If there's more than one
item at the same rate, we pay off the item at the rate which ends first. For example, if you have 0% on purchases
for 12 months and 0% on balance transfers for 9 months, we'll pay off your balance transfer first. We always use
your payments to pay off items which have appeared on a statement you've received, before anything that hasn't yet
appeared on a statement.

7. Managing your credit limit

If you go over limit
You must not go over your credit limit. If you go over your credit limit then you may be charged a fee and you will be
asked to pay back the full amount you are over your limit in your next minimum payment. This will appear on your
monthly statement. We may charge you every month for as long as you stay over your limit.
How we work it out
To work out whether you're over your credit limit, we'll take into account all transactions you’ve made, including any
interest and fees that have been added to your account. We'll not charge you an over limit fee if you are only over your
credit limit due to an annual fee, late fee or interest charge.
Changing your limit
If we're planning to increase your credit limit, we'll tell you first. You can decide to keep it as it is if you want to - just let
us know.
You can request to reduce your limit at any time. We may reduce your limit for any of the reasons listed in section 9.
You can request a change to your credit limit through Online Banking, via our Mobile App or by calling us. Remember
that, depending on your financial circumstances we may not be able to increase your credit limit when you make a
request.

8. Refunds
When you can request a refund from us
You can ask us for a refund where:
• You didn't know the exact amount when you made the transaction, for example, if you pre-authorise a transaction
at a hotel check-in; and
• The transaction ended up being more than you could reasonably have expected in the circumstances (taking into
account your previous spending pattern); and
• The transaction was with a retailer in the UK or, provided the transaction is made in Euro, in the European
Economic Area (EEA); and
• You ask us for the refund within eight weeks of us adding the transaction to your account.
We may ask you for information reasonably necessary to help us investigate whether you're entitled to a refund.
We'll let you know within 10 business days of receiving your refund request - or receiving the requested information -
whether we'll refund you. We'll always explain our reasons for refusing a refund (unless we're not allowed to by law).
Incorrect refunds
If it turns out we've refunded you money that you aren't entitled to, we may debit the transaction amount from your
account. This will take effect from the date the original transaction was posted.
If transactions go wrong
If we fail to process a transaction or process it incorrectly and it's our fault, we'll refund the amount of the payment (or
over-payment) that has been debited from your account, as soon as possible. We'll also refund any interest or fees
you've incurred directly as a result of our error or failure.
If we process a transaction late and it's our fault, we'll refund any interest and fees that you've incurred directly as a
result of our error or failure.
If the error (for example, paying too much or making a payment to the wrong person) occurred because you gave
us incorrect details or made a mistake, we'll make immediate efforts to trace the transaction and notify you of the
outcome, free of charge. We won't be liable for the payment or over-payment, or for any interest or fees you've
incurred.

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If we make a mistake processing a balance or money transfer, we'll restore your account to its original state, as long
as we're made aware of the error no later than six years after the payment left your account.
If you've given us incorrect details or made a mistake with a balance or money transfer, we'll take all reasonable steps
to recover any amounts sent. We may charge you a reasonable fee for doing so.

Your rights when you use your card

You are entitled to protection when you use your credit card. If you use it to buy something between £100 and
£30,000, and receive unsatisfactory goods or services, you may have the right to make a claim against us as well as
the retailer.
This doesn't apply to money transfers or anything bought with a money transfer or cash withdrawal. This protection
may not apply if you use your card to fund an account with a third party (such as PayPal) and then pay for goods or
services with that account.

9. Suspensions and restrictions

In certain circumstances, we'll need to suspend or restrict the use of your account. We'll only do this for a good reason,
including when:
• We have reasonable grounds to suspect fraud, misuse of the account or criminal activity
• There's a significantly increased risk you may not be able to pay us (for example, if you're being declared bankrupt,
we receive new information from a credit reference agency or you're regularly missing payments for other Tesco
Bank products)
• The transaction would take you over your credit limit or you are already over your credit limit
• We have reasonable grounds to suspect the security of the card has been compromised
• The transaction seems unusual compared to normal account activity
• We believe your account, card or digital card might be compromised as a result of you using a service, or if that
service is compromised, unavailable or withdrawn
• We're unable to contact you using the details you've provided
• We're ordered to do so by a court of law or other enforcement authority
• You've reported your card lost or stolen
• You've requested a block on your card
• We're informed that you have died
If any of these circumstances apply to you or your account, where possible, we'll try to contact you before we take any
action.
We'll always tell you why we've done what we've done, unless it's illegal to do so, or goes against reasonable security
measures.
You can get in touch with us at any time to ask that we lift the suspension or restriction on your card.
In certain circumstances we might reduce your credit limit or advance limit, and we'll tell you if we do so. If a purchase
transaction is declined, we or the retailer will tell you, and you can contact us to find out the reason why.
Persistent debt
We can also suspend your card if we've notified you that we consider you to have been in persistent debt for 36
months. We consider you to be in persistent debt if, over a period of 18 months, you've been paying more in interest,
fees and charges than you have towards reducing your balance. If you remain in this position after a further 18
months, we're under an obligation to help you reduce your balance more quickly. This means that we may block
further use of your card, either temporarily or permanently. As we use statement periods to work out whether you're in
persistent debt, changing your statement date may affect when we contact you.
We can lift the suspension on your card once you've paid off your balance. Before we do this:
• we'll do an affordability check to see if you can afford the card repayments;
• if we think you can afford your card, we'll let you know what credit limit we're prepared to give you. This limit may
be lower than your current limit; and
• we may also increase your minimum payment to try to help you avoid going into persistent debt again.
In certain circumstances, we won't lift the suspension on your card. Including if:
• we've taken other steps to help you clear your balance, such as choosing not to enforce this agreement or any part
of it or reducing your interest rate; or

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 • we consider that we need to keep your card suspended (for example, because we're unable to contact you using
the details you've provided).

10. Keeping your account safe

Your responsibilities
You must keep your card, PIN and any other security information - like your Online Banking details - safe. Additional
cardholders should do the same.
The card itself is our property and we expect you to take the following precautions:
• Sign the card as soon as you receive it
• Destroy any paperwork that mentions your PIN or other security details
• Keep your PIN and other security details safe and separate from your card, or anything you usually keep with it
• Disguise any notes you make of your PIN or other details
• Keep your receipts somewhere safe, or carefully destroy them
• Keep your card and security details to yourself
Changing your PIN
If you change your PIN at an ATM, make sure you avoid numbers that could be easy to guess (like your date of birth).
Disposing of old cards
When you get your replacement card, dispose of the old one carefully: cut it up through the signature box, the
magnetic strip and the chip. Additional cardholders should do the same.
Digital cards
If you're using a digital card, make sure you keep the device you use it on secure. If your device stores biometrics
(such as fingerprints or face recognition) for the purpose of accessing your account, authorising transactions or doing
anything else on your account, don't allow anyone else to store their unique biometrics on your device. If you decide to
dispose of a device with a digital card on it, make sure you delete the card first. Additional cardholders should do the
same.
Scams
Be aware of scams designed to trick you (or any additional cardholder) into giving away information that could be used
to defraud you.
Scammers might contact you (or any additional cardholder) by email, phone or text message, pretending to be from
Tesco Bank, and try to trick you into sharing your security details, push you towards a fake website, or ask you to
provide your passwords to them directly 'for security purposes' or some other reason.

Lost or stolen cards and devices, or suspicious transactions

Call us immediately on 0345 300 4278 from the UK or +44 126 850 8027 from abroad, if your card or a device with
your digital card on it is lost or stolen, you think your account may be misused, or your security details could be
compromised in any way.
You must give us any information you have regarding the circumstances of the loss, theft or misuse of a card, digital
card or security details. We can give the police any information they think is relevant to help prevent or control fraud.
Additional cardholders should do the same.

Liabilities
If there's fraudulent activity on your account, you won't be liable as long as you've taken all reasonable precautions. If
not, you could be liable.
Here's how it breaks down:

Type of transaction Amount you'll pay

If someone carries out a fraudulent transaction using Nothing

your card details online, by phone or by mail order

If you, or any additional cardholder, call us to cancel Up to £35

your card(s) because it's been lost, stolen or someone
else knows the security details and unauthorised
transactions have been made before we are notified

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 (unless this happens before you, or any additional
cardholder, receives the card from us)

If you, or any additional cardholder, call us to cancel Nothing

your card(s) because it's been lost, stolen or someone
else knows the security details and unauthorised
transactions have been made after we've been notified

If you give permission for someone else to use your card You're responsible for all transactions on the account
or card details

Fraudulent transactions by you (or any additional You're responsible for all transactions on the account
cardholder)

11. Changing this agreement

Reasons why we can change this agreement
We can change the terms of this agreement (other than interest rates and fees) for any of the following reasons:
• We think the change would make the terms easier to understand or fairer to you
• We're making reasonable changes to the way we look after your accounts in response to changes in the banking
or financial system, technology, or the systems we use to run our banking business, or as a result of changes in
law, industry codes, the decision of an ombudsman or any other regulatory requirement (or if we reasonably expect
there will be a change of this type)
• As a result of changes (or when we reasonably expect there to be a change) to good banking practice which are as
favourable or more favourable to you
Changes to pricing for specific Tesco Group products or services
From time to time, we might agree with another Tesco Group company that we will reduce, vary or remove the interest
rates, fees or charges on your credit card when you are signed up to an eligible product or service offered by them.
You should refer to the terms of the Tesco Group product or service to check if you are eligible for better pricing offers.
Where you have a membership to such a product or service and we're then told that you no longer have one, we
can increase your interest rates, fees or charges so that they're the same as if you’d not signed up to the product or
service. This means you'll have to start paying these costs. We'll let you know when this happens, and tell you what
the revised interest rates, fees or charges are. You should read “Letting you know” below for more information on how
to avoid this new pricing.
Changing your agreement for any other reason
We can also change any part of this agreement, for any reason, provided we give you at least 30 days' notice and tell
you what we're doing and why. During the notice period, you'll be free to end the agreement without charge, provided
all amounts outstanding have been repaid.
Letting you know
We'll give you at least 30 days' advance notice of any changes to this agreement, unless the change is to your
advantage. If that's the case, we'll still give you notice but we may make the change more quickly.
We'll tell you about any changes in writing, either with your monthly statement or separately by post or email, and we'll
always make it clear when changes will come into effect. If you don't want to continue to make transactions after a
change, you can end this agreement by giving us notice by calling, emailing or writing to us, but the change will still
apply to this agreement until all amounts outstanding have been repaid.

12. Ending this agreement

As this agreement has no fixed duration, you can close your account at any time by calling us on 0345 300 4278. If
you have an outstanding balance, we'll stop you making any further transactions, but carry on adding any applicable
interest and fees to the account until you've paid off everything you owe under this agreement (this includes before
and after any judgment or decree).
If we are investigating unauthorised activity on your account, you won't be able to close your account until our
investigation has been completed.
We can end this agreement at any time, by giving you written notice (if we do, we'll usually give you at least two
months' notice).
We can close your account immediately and demand you pay the full amount due for any of the following reasons:

page 23 of 25
 • You become bankrupt or make arrangements with your creditors
• We find out you made false or misleading statements when applying for this card or any of our other products
• You commit fraud, or we have reasonable grounds to suspect you have committed fraud, misused your account or
used it for criminal purposes
• You act in a threatening or abusive manner to any member of our staff
• You move outside the UK
• You die
• We're required to do so by law
We can also close your account immediately if you regularly or seriously break the terms of this agreement or any
other agreement you have with us. We'll give you at least one month's notice to put right any breach that you can fix.
We'll also comply with all legal requirements in any of the above situations.

13. Making a complaint

Obviously, we hope you never have to make a complaint. If you do, we promise we'll try to resolve it as quickly as we
can. Just call us on 0345 300 4278 or write to us at Tesco Bank, PO Box 27010, Glasgow, G2 2DR.
You'll find our complaint handling process under the 'Make a complaint' section on our website at tescobank.com/
complaints. You can also request a copy by calling the number above.
If you're not happy with our response to your complaint, you may be able to refer your complaint to the Financial
Ombudsman Service (FOS) by writing to them at The Financial Ombudsman Service, Exchange Tower,
London, E14 9SR or by telephoning on 0800 023 4567. Details are also available from their website, financial-
ombudsman.org.uk

14. Other useful information

Staying up to date
Tell us straight away if you or any additional cardholders change name, address or any of your contact details change
(including your mobile phone number or email address). If you don't, we'll continue to use the details you last gave us.
We won't be responsible if we can't contact you, or if we send confidential information using out of date contact details.
For your security, we may block access to your account and/or your card if we can't contact you.
If you make your payments to us by Direct Debit, you should also tell us if you change the bank or building society
from which you make your payments.
Rights and obligations
You may not transfer your rights or obligations under this agreement. We may transfer the rights and duties we have
under this agreement to another lender or company in the future. We'll only do this if we reasonably believe they'll treat
you at least as well as we do.
We won't be liable if we break this agreement due (directly or indirectly) to:
• abnormal and unforeseeable circumstances outside our control, the consequences of which would have been
unavoidable. This could include the failure of any machine, data processing system or transmission link or delays
and failures due to industrial action; or
• our obligations under UK law.
If we allow you more time to make a payment or choose not to enforce any terms and conditions under this agreement,
we'll be able to apply them again at any time.
Payment Protection Insurance
If you've previously purchased our Payment Protection Insurance (PPI) the monthly insurance premium will be added
to your account and is treated as a purchase transaction. This means that where interest is due on the transaction it
will be charged at your purchase interest rate. We transfer your premium to your insurer.
Where there is a valid claim on your PPI, your insurer will make payment directly to us. We'll use the payment to clear
all or as much of your debt under this agreement as possible.
Restrictions on your account
You and any additional cardholder must not use your account for business or illegal purposes.
Your liability for taxes and other costs
There may be taxes and other costs, which are not paid or charged through us, that you have to pay in connection with
this agreement.

page 24 of 25
 Applicable law
If your address is in Scotland, Scots law applies to the contract between us, the dealings we have with a view to
entering into it and any legal case between us will be referred to the Scottish courts. If your address is elsewhere,
English law will apply and any legal case will be referred to the English or Welsh courts.
Copies of these terms and conditions
We'll communicate with you in English and you can ask for a copy of these terms and conditions at any time for free.
Our personal loan and credit card business is regulated by the Financial Conduct Authority, who can be contacted at
12 Endeavour Square, London, E20 1JN.
Sometimes we record calls for training and quality purposes and for our joint protection.

Tesco Bank is a trading name of Tesco Personal Finance plc. Registered in Scotland No. SC173199. Registered Office:
2 South Gyle Crescent, Edinburgh, EH12 9FQ. Authorised by the Prudential Regulation Authority and regulated by the
Financial Conduct Authority (who are the supervisory authority under the CCA) and the Prudential Regulation Authority.
Our registration number is 186022. You can check this on the Financial Services Register by visiting the website
fca.org.uk/firms/financial-services-register.

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