Please read these Terms & Conditions carefully before applying for your card. If you are under 18 we recommend that you speak with your parent or guardian before you apply for your card.

General Terms & Conditions for Prepaid Reloadable Visa Cards from Cornèr Banca SA

1. General /Card Issuance

On acceptance of the Card Application, Cornèr Banca SA (hereinafter referred to as "the Bank") shall issue in favour of the card applicant and deliver to Yes Money SA, 6900 Lugano, Switzerland and/or Yes Group UK Ltd. (both hereinafter referred to as “Yes Money”) a personal and non-transferable Visa Prepaid Card (hereinafter referred to as "the Card"). The Card shall remain the property of the Bank and shall be issued against payment of an issue and activation fee set by Yes Money. This fee shall include the fee for the issuance and use of the Card as well as the fee for the services rendered by Yes Money. The Bank authorises Yes Money to collect from the Cardholder the bank’s fees concerning the issuance and use of the Card. The Card must be kept in a safe place and protected against unauthorised access or use by third parties. The Cardholder shall receive a secret personal identification number (hereinafter referred to as "the PIN") under separate cover. The Cardholder shall inform Yes Money, as the responsible service provider of the Bank, immediately and in writing of any changes in the information provided on the Card Application, in particular of changes in personal data or address. The Cardholder shall be liable with regards to payment to Yes Money of the annual fee and all obligations arising from the use of the Card and from these Terms and Conditions.

2. Validity/Spending Limit/Reloading

The Card shall remain valid until the date engraved upon it and shall be automatically renewed unless it is cancelled in writing no later than two months before it is due to expire. The Bank reserves the right at its discretion not to renew the Card. The Cardholder shall undertake to sign the Card as soon as he/she receives it. If the Card is renewed, the balance of the old card shall be transferred to the new card, after deduction of the annual fee. The Card can be used with an initial spending limit which corresponds to the amount transferred by the Cardholder. The spending limit shall decrease as card usage increases but shall rise as subsequent transfers (hereinafter referred to as "reloads") are made to the Card. The spending limit does not earn any interest. Card spending above the spending limit shall not be allowed; should this limit nevertheless be exceeded, the Cardholder shall repay the excess amount immediately and in full. The initial load amount, any subsequent reloads, maximum monthly reloads as well as maximum total Card balance shall be subject to the amounts, limits and charges listed in the separate table, displayed herein.

3. Use of the Card

The Cardholder is authorised to purchase goods and services from affiliated merchants as well as to withdraw cash advances from authorised banks worldwide, provided that they are equipped with the electronic acceptance device for Visa Cards. With the Card and his/her own PIN, the Cardholder may make cash withdrawals from automatic teller machines (ATMs). The Cardholder shall neither write down his/her PIN anywhere nor disclose it to anyone, not even to persons claiming to work for Yes Money or the Bank and identifying themselves as such. The Cardholder shall be liable for all consequences resulting from the failure to comply with the obligation to safeguard the PIN and/or the Card. The amount in cash that may be withdrawn shall be set by the Bank in each individual case, irrespective of the Card spending limit. Yes Money shall charge a fee for withdrawals of cash as indicated on the separate table. Some ATMs may charge an additional fee which is not included here. Affiliated merchants and authorised banks shall be entitled to require proof of identity. By signing the appropriate voucher when using the Card or by using the PIN, the Cardholder acknowledges the correctness of the amount. Moreover, the Cardholder shall acknowledge the validity of transactions carried out with the Card or with the Card details but without a signature or use of the PIN (on the Internet or over the telephone). The Cardholder shall irrevocably authorise the Bank to pay this amount to the affiliated merchant or authorised bank. The Cardholder becomes a debtor of the Bank with regard to the amounts paid by the Bank. The Bank reserves the right not to honour any vouchers which do not comply with these General Terms and Conditions. The Card merely functions as a cashless means of payment. The Bank shall not be held liable for any transactions conducted with the Card. In particular, the Cardholder shall acknowledge that the Bank is not liable even if, for any reason, the affiliated merchants or authorised banks do not accept the Card, or accept it only partly. The Cardholder shall further acknowledge that the Bank is not liable in such an event and shall not file any complaint with the Bank in connection with the vouchers themselves and/or the card usages relating thereto. This shall also apply in the case of late delivery of, or failure to deliver, goods or services. In the event of disputes or complaints of any kind concerning goods or services, or the exercise of any right in this connection, the Cardholder shall contact exclusively the affiliated merchant and/or authorised bank. In particular, the Cardholder shall not be released from his obligation to pay the Bank the amounts shown on the statements in case of any disputes that may arise. Use of the card is not covered by the Financial Services Compensation Scheme. The Card may only be used for transactions which are lawful.

4. Processing of Transactions/Verification of the Balance

All purchases and other transactions made with the Card or with the details on it, as well as all payments, will be treated based on the value and date according to the date of the accounting entry. For card usage conducted in other currencies (other than £ Sterling), the Cardholder shall accept the exchange rate used by the Bank. The Cardholder may at any time view the balance of his Card by means of online access functionalities made available on the website hosted by Yes Money. The balance includes all transactions notified to the Bank up to the evening of the previous working day. The statement shall be regarded as approved unless it is contested in writing immediately but at any rate no later than 30 days following the accounting entry date. Late notification of contested items shall not be considered.

5. Refund of Balance

Should the Card be cancelled, the Cardholder may ask for reimbursement of the remaining balance after deduction of administrative expenses as indicated in the table.

6. Loss of the Card

If the Card is lost or stolen, the Cardholder must report the event immediately to Yes Money by telephone on 0845 521 2341 (+44 845 521 2341 from outside the UK), with subsequent confirmation in writing. In the event of theft, the Cardholder must also report the theft to the police. Until such time as the Bank receives such notification of the loss/theft, the Cardholder shall be liable for any fraudulent use of the Card. He shall not be deemed liable if he has exercised all due care in safeguarding the Card. The Cardholder will be charged with the amount as shown in the table for the replacement of a Card. In principle, such a replacement shall not be made until 7 days following such a request.

7. Blocking of the Card

The Bank reserves the right at its discretion to block and/or recall the Card of the Cardholder at any time, without advance warning and without having to give reasons. Its decision cannot be contested. The Bank shall not be held liable for consequences which might arise for the Cardholder as a result of the blocking or recall of the Card. The use of a blocked card is unlawful and may result in prosecution, as may the obligations incurred by the Cardholder as a result. The Bank reserves the right to provide the affiliated merchants and authorised banks with any information they may require to obtain the amount due directly from the Cardholder.

8. Consent/Transferability/Confirmation/Place of Jurisdiction/Other Conditions

The Bank and/or Yes Money shall be authorised to record telephone conversations between it and the Cardholder on quality assurance and security grounds, to store these recordings on data media and to keep them for one year. Moreover, the Cardholder certifies the data furnished on the Card application to be correct and authorises the Bank to obtain from public offices, banks and authorised third parties any information deemed necessary for the review and verification of the application. The information and data disclosed to third parties shall, in principle, only be used for the collection and performance of outstanding claims. The Cardholder has read and understood these General Terms and Conditions and accepts them in full by submitting his or her Card Application. In addition, he shall receive a further copy of these General Terms and Conditions together with his Card. By signing and/or using the Card, the Cardholder confirms acceptance of the General Terms and Conditions. The Bank reserves the right to amend these General Terms and Conditions at any time. The Cardholder shall be informed of such changes by circular letter or in some other appropriate form. The changes shall be regarded as accepted if the Cardholder raises no objection within 30 days of notification. All legal relations between the Cardholder and the Bank shall be subject to Swiss law. The place of performance, the place of special proceedings for the collection of debts owed by Cardholders residing abroad and the exclusive place of jurisdiction for all disputes shall be Lugano, Switzerland. The Bank shall, however, also have the right to take legal action against the Cardholder in the competent court of his place of residence or in any other competent court.

Table of Maximum Charges and limits

To receive your card	Standard	THANK YOU* Promotion
Card issue & activation (with Standing Order)	FREE	FREE
Card issue & activation (without Standing Order)	£9.95	FREE
Annual card management 1st year free	£4.95	NO CHARGE
Membership to Money Off and Money Back schemes	FREE	FREE
To load your card
At the stadium	£0.50
Over the counter at the Bank	£1.00
Bank transfer	3% (min £1.00)
Standing Order	3% (min £1.00)
Online by debit card	3% (min £1.00)
Online by credit card	3% (min £2.00)
Withdrawing cash
Cash withdrawal UK	99p
Replacement card	£4.95
Cash withdrawal abroad	£1.99
Other charges and limits
Paper statement	£3.00
Replacement card	£4.95
Cancelling a card	£4.95
Helpline (from standard BT line)	10p/min
Maximum card balance	£3,500
Minimum top-up	£10.00

*The THANK YOU promotion is available to Season Ticket Holders and is by invitation only

Additional Terms & Conditions for the Yes Money prepaid reloadable cards

Transmission of Documentation and Identification Tools

The Cardholder authorises the bank to transmit directly to Yes Money all kinds of documentation and information (included also requests of authorised third parties) related to the Card and any identification tools of the Cardholders (e.g. Card, PIN, etc.) Upon transmission to Yes Money by the Bank such documentation and information is considered to have been successfully delivered to the Cardholder. Yes Money will deliver such documentation and tools to the Cardholder by adopting appropriate security measures. The card will be posted to the address shown on the application form. The PIN will be sent separately once the applicant has confirmed receipt of the card. Yes Money do not know the PIN number.

Information to Yes Money

The Cardholder authorises the Bank to make available to Yes Money, any information related to the Card, in particular information concerning card issuance, card use, reloadings, etc., in order to enable Yes Money to administer its relationship with the Cardholder. Yes Money will make available to the Cardholder a monthly e-statement which will include all card usages, reloadings, charges and fees. Yes Money will process initial loadings and subsequent reloadings on his behalf. Yes Money will make available to the cardholder, at any time, the card balance and the e-statements, either through its Call Centre or through its website. The Cardholder shall pay to Yes Money the fees concerning the issuance and use of the Cards as well as the services rendered by Yes Money. With regard to the services rendered the Bank receives recompense from Yes Money and respectively Yes Money receives recompense from the Bank. However, the Bank and/or Yes Money has no obligation to report to the Cardholder on the payment of such amounts. The Cardholder waives any claims to any such recompense.

Data Protection

Yes Money are registered with the Information Commissioners Office and as such are committed to maintaining personal data in accordance with the requirements of the Data Protection Act and will take all reasonable steps to ensure that data is kept secure at all times. Unless required by law, or elsewhere in these terms and conditions, personal information will not be passed to anyone without the cardholder’s permission. To comply with Anti-Money Laundering Regulations, Yes Money, on behalf of the Bank, are required to verify the applicant’s and cardholder’s identity and may use a recognised agency for this purpose (details of the agency used will be provided to you on request).

Monthly Report

The monthly report contains card usages, reloadings, charges and fees. Such report will be made available to the Cardholder on the web site hosted by Yes Money and is for information purposes only. In the event of discrepancies with the internal accounting records of the bank, the latter shall prevail.

Cardholder communications and enquiries

All communications, requests and enquiries by the Cardholder to the Bank shall be directed through Yes Money at the address shown below.

Yes! Group UK Limited
PO Box 257
Hythe
UK
CT21 9AF

Telephone: 0871 971 1900
(calls charged at 10p/min from a standard BT landline, other networks may vary)
Email : info@wolvesprepaid.co.uk