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The TUI Travel Prepaid MasterCard® Terms and Conditions (October 2009)
Please read this Agreement carefully before you use your Card. This information forms the Terms and Conditions of
your Thomson Travel Prepaid MasterCard or First Choice Travel Prepaid MasterCard. By using your Card you
accept the Terms and Conditions and you understand and accept the risks highlighted in paragraph 18.4 of this
Agreement. If there is anything you do not understand or do not agree with, please contact Customer Services using
the contact details in paragraph 20 of this Agreement.

- The electronic account associated with your Card.
Account Number - This is your unique personal account number, and is found on the back of your Card.
Agreement - This Cardholder agreement as varied from time to time.
Available Balance - The value of funds loaded onto your Card and available for use.
Business Days - means the days of Monday to Friday but does not include bank holidays.
Card - The Thomson Travel Prepaid MasterCard (“Thomson Card”) or First Choice Travel Prepaid MasterCard
(“First Choice Card”) issued to you under this Agreement. Also referred to as the Travel Money Card in these Terms
and Conditions.
Card Number - The 16 digit number on the front of your Card.
Cardholder - You, the person entering into this Agreement with us.
Customer Services - The contact centre for dealing with queries about your Card. Contact details for Customer
Services can be found in paragraph 20. Calls to Customer Services are charged at local rate.
e-money - The electronic money associated with your Card.
EEA - is the European Economic Area which currently includes all countries in the European Union together with
Iceland, Norway and Liechtenstein.
Full Deductible Amount - The full transaction amount, including the Transaction itself along with any associated
fees, charges and taxes.
MasterCard International Incorporated - MasterCard International Incorporated whose head office is at 2000
Purchase Street, Purchase, New York, 10577, USA.
Merchant - A retailer, or any other person, firm or corporation that accepts cards which display the MasterCard
Acceptance Mark.
My Account - The area on the Website that allows you to register your name and contact details for your Account
Number as well as view your Available Balance and Transaction history. My Account provides up to date information
about your Account and you will need an internet connection in order to access it.
PIN - Your four digit personal identification number for use with the Card.
Transaction - A retail sale, a cash advance, cashback or a cash machine withdrawal completed by you using your
TUI - TUI Travel PLC, a company registered in England and Wales with number 06072876 whose registered office is
at TUI Travel House, Crawley Business Quarter, Fleming Way, Crawley, West Sussex, RH10 9QL.
We, us or our - PrePay Technologies Limited, a company registered in England and Wales with number 04008083
who can be contacted at PO BOX 3371, Swindon, SN5 7WJ. PrePay Technologies Limited is authorised and
regulated by the Financial Services Authority to issue e-money and is registered in the Financial Services Register
with registration number 219619.
Website -website address allowing you to access your personal Card
You, your - The Cardholder.

Your Card is an e-money prepaid card. This is not a credit, charge or debit card.
2.2 Your Card has been issued by Clydesdale Bank PLC pursuant to licence by MasterCard International
Incorporated. We are a registered Service Provider of Clydesdale Bank PLC. Your rights and obligations relating to
the use of this Card are subject to this Agreement between you and us; you have no rights against Clydesdale Bank
PLC or MasterCard International Incorporated or their respective affiliates. If you experience any difficulties in using
the Card you should contact Customer Services. The e-money associated with this Card is provided to you by us,
and will be denominated in either US Dollars or Euros. The funds you place with us on your Card are held in a
secure trust account and in the unlikely event that we become insolvent your money would be fully protected. The
Card remains the property of Clydesdale Bank PLC.
2.3 These Terms and Conditions are written and available only in English and we undertake to communicate with
you in English regarding any aspect of your Card or Account.

You may only apply for a Card if you are resident in the United Kingdom and are over the age of 18 years. You
may hold up to five Cards per household at any one time.
3.2 You agree that we may communicate with you by e-mail for issuing any notices or information about your
Account or Card and therefore it is important that you register with My Account and provide a valid e-mail address.
Additionally, your Transaction history and statements are made available to you in My Account and you will need to
register in order to be able to obtain this information.
3.3 We will issue your Card to you on the basis of the information that you have provided and you acknowledge you
will need to provide sufficient detail for us to satisfactorily verify your identity and address. You agree to provide
accurate personal information and to tell us of any changes as soon as possible so that our records remain correct.
You should update any changes to your personal information by visiting the Website or calling Customer Services. In
particular, you should always keep us informed of changes to your email address to ensure that we are able to
contact you with information with respect to your Card.
3.4 By using the Card you confirm that:
3.4.1 You are aged 18 years or over;
3.4.2 The information provided to us by you is accurate and complete and is not false or misleading in any way.
3.5 When you receive your Card, you must sign it immediately and will need to load e-money onto it in order to
activate it.
3.6 You may use your Card to make cash withdrawals, subject to 3.5. You will need a PIN for cash machine
withdrawals and to authorise any retail sales transactions in the UK and in some countries abroad. Please see
paragraph 4.2 for full details on how to authorise Transactions.
3.7 You‟l be given your PIN when your Card is issued. You should never reveal your PIN to anybody. We will not
reveal your PIN to a third party. If you forget your PIN you can reset it by contacting Customer Services.
3.8 When you select or change your PIN, you must not select a PIN that may be easily guessed, such as a number
3.8.1 is easily associated with you, such as your telephone number or birth date,
3.8.2 is part of the data imprinted on the Card,
3.8.3 consists of the same digits or a sequence of running digits, or
3.8.4 is identical to a previously selected PIN.
Your Card can be used at any Merchant. The Card issued in Euros is intended for use in countries in which the
Euro is the national currency and the Card issued in US Dollars is intended for use in countries in which the US
Dollar is the national currency and these Terms and Conditions are entered into on that basis. If a Merchant or cash
machine offers you the choice to make your purchase in either “local currency” or Euros or US Dollars (depending on
the country in which you are located) then you should choose to make the purchase in the currency in which your
Card is issued in order to obtain the maximum benefit from your Card.
4.2 You can authorise Transactions on your Card at any Merchant by entering your PIN or other security code, if the
Merchant does not accept chip and PIN authorisation, the Merchant may allow you to authorise the Transaction by
signature of the receipt. Please be aware that you may not usually stop a Transaction once it has been authorised as
at that point it is deemed to be received by us. You will be responsible for all Transactions where you or any
additional Cardholder authorise such Transaction, regardless of the manner of such authorisation.
4.3 Travel Money Cards can be used to make withdrawals at cash machines bearing the MasterCard® Acceptance
Mark or at participating banks to make cash advance withdrawals (fees apply, see paragraph 11). You can withdraw
up to €250 per day for Euro Cards or US$300 per day for US Dollar Cards but some Merchants or cash machines
may have lower limits. Please note that extra cash machine fees in addition to those shown in paragraph 11 may be
charged by certain cash machine providers.
4.4 Your Card is a prepaid card, which means that the Card‟s Available Balance will be reduced by the full amount of
each Transaction and authorisation (see explanations in 4.6.1 to 4.6.3 of the different circumstances in which
requests for authorisation might take place), plus any applicable taxes and charges, including any additional cash
machine charge if any. This is your „Ful Deductible Amount‟, which must be less than or equal to the Available
Balance on your Card. You must not use your Card after the expiry date of the Card or if the Full Deductible Amount
exceeds the Available Balance. If, for any reason, a Transaction is processed for an amount greater than the
Available Balance on your Card, you must repay us the amount by which the Full Deductible Amount exceeds your
Available Balance within 14 days of receiving an invoice from us. Should you not repay this amount within 14 days of
receiving an invoice from us we reserve the right to take all steps necessary, including legal action, to recover any
monies outstanding.
4.5 You can check your balance and Transaction history for free by visiting My Account. You can also check your
balance by calling Customer Services. Provided that you have registered your mobile phone number in My Account
then you can choose to check the Available Balance on your Card by texting „BALANCE XXX‟ (where XXX is your 14
digit My Account number) to +447786200117. In the event that you choose to use this service then your mobile
service provider will charge standard network fees for each SMS message. You acknowledge that such fees may be
at international rates and we suggest that you check with your mobile service provider to confirm the applicable fees.
4.6 Due to security safeguards, Merchants that accept your Card are required to seek authorisation from us for all of
the Transactions that you make. There are some circumstances where Merchants may require you to have an
Available Balance greater than the value of the Transaction you wish to make. You will only be charged for the actual
and final value of the Transaction you make. Merchants request this as they may need to access more funds than
you initially planned to spend. For example:
4.6.1 Hotels and rental cars - As Merchants may not be able to accurately predict how much your final bill will be,
they may request an authorisation for funds greater than your Available Balance. This is called pre-authorisation. We
suggest that you consider using an alternative card for pre-authorisations and that you use your Card for payment
when checking out. You will not be charged twice by the hotel.
4.6.2 Internet Merchants - Certain internet Merchant sites will, on registration or at checkout stage, send a request
for payment authorisation to verify if funds are available. This will temporarily impact your Available Balance. Also
please bear in mind that many sites won‟t deduct payment until goods are dispatched so please be aware of this
when checking your balance to make sure you‟ve always got funds available to cover your purchases.
4.6.3 In-flight purchases - Merchants may not be able to authorise your Transaction if they can‟t obtain an online
authorisation from us. Examples include on-board cruise or train charges and some in-flight purchases.
4.7 Your Card cannot be used at self service petrol pumps. You can use your Card to pay by taking it to the cashier.
4.8 Your Card should not be used as a form of identification. We will decline any authorisation requests from
Merchants using your Card for identification purposes
4.9 The Available Balance on your Account will not earn any interest.
4.10 We may ask you to surrender the Card at anytime for a valid reason in accordance with the provisions in
paragraph 15 of these Terms and Conditions. If we do so, we will give you back your e-money in accordance with
paragraph 7 of these Terms and Conditions.

You may top-up your Card up to a maximum balance of €5,000 for a Card issued in Euros or US$7,500 for a
Card issued in US Dollars.
5.2 You can only top-up your Card in First Choice or Thomson Travel shops with currency purchased in those shops
by using cash or a debit or a credit card. Fees may be charged by your credit card provider for purchases made
using a credit or debit cards. Top ups will be credited to your Available Balance immediately.
5.3 We reserve the right to suspend or terminate the right to top-up your Card at any time without notice.

The expiry date of your Card is printed on the front of the Card. You will not be able to use your Card if it has
expired. If you would like to apply for a replacement Card please contact Customer Services (fees may apply, see
paragraph 11). Alternatively you can request a refund of the Available Balance, made according to the provisions of
paragraph 7.
6.2 No Transactions will be processed once your Card has expired.
6.3 If your Card has been used in the six months prior to the expiry date, and you have registered with My Account
then we'll send you an email asking whether you would like to renew your Card or instead reclaim the outstanding
Available Balance (if any). Please note that reclaiming Available Balance will be subject to a Redemption Fee, see
paragraph 11.
6.3.1 If you opt to have your Card renewed, you'll be issued a new Card and any outstanding Available Balance will
be transferred.
6.3.2 If you tell us you do not want your Card renewed we will close your Account on the expiry date. If there is an
outstanding Available Balance on the Card at expiry, this will be sent to your registered address by cheque within 30
days of the closure of your Account, a Redemption Fee will be deducted from the Available Balance (see paragraph
11 for fees).
6.3.3 If the Card has not been used in the six months prior to the expiry date, or if you do not reply to the email, or if
you have not registered an email address with My Account, then we'll close your Account on the expiry date. Any
outstanding Available Balance on the Card at expiry will remain yours for a period of twelve months from the last
date on which the Card was last loaded with e-money, subject to a Redemption Fee, see paragraph 11. Within these
twelve months, you can request a refund anytime by emailing us or for
Thomson Cards by phoning +44 (0)2031 300 133 or for First Choice Cards by phoning +44 (0) 2031 300 135, both
lines are open 24 hours a day. Any funds remaining on the Card for in excess of twelve months from the last date on
which the Card was loaded with e-money will not be returned to you. Please note that reclaiming Available Balance
will be subject to the Redemption, see paragraph 11.

If you'd like to terminate your Card and redeem any unused funds (fees apply see paragraph 11), you may do so
as long as:
7.1.1 We believe you have not acted fraudulently, and
7.1.2 We are not prohibited from doing so by any applicable law, regulation, court order or instruction or guidance of
a competent regulatory authority or agency.
7.2 You can obtain redemption of any unused funds by contacting Customer Services (subject to a Redemption Fee,
see paragraph 11) or in store at a First Choice or Thomson Travel Shop. You acknowledge that all redemptions will
be made to you in pounds sterling regardless of the currency in which your Card is issued, either at the exchange
rate advertised in the First Choice or Thomson Travel Shop where the redemption is carried out or at the exchange
rate advised by Customer Services prior to the redemption. If you choose to redeem unused funds then you must
redeem all of those funds, there is no partial redemption available.
7.3 Please note, our procedures may require us to carry out various checks reasonably required to prevent
fraudulent use of your Card before we can process your redemption request.
7.4 If we find any additional withdrawals, fees or charges have been incurred on your Card following the processing
of your redemption funds, we'll send an itemised invoice to you and we will require you to refund us within 14 days of
the invoice. Should you not repay this amount within 14 days of receiving an invoice from us we reserve the right to
take all steps necessary, including legal action, to recover any monies outstanding.

We may restrict or refuse to authorise any use of your Card in any legal jurisdiction if using the Card is causing or
could cause a breach of this Agreement or if we have reasonable grounds for suspecting that either you or a third
party has committed or is about to commit a crime or other abuse in connection with the Card.
8.2 Where appropriate, any refusal to authorise a Transaction will be relayed to you via the Merchant concerned.
8.3 If we need to investigate a Transaction on the Card then you must cooperate with us, the police or any other
authorised body if this is required.
8.4 You should never:
8.4.1 Allow another person to use your Card;
8.4.2 Record your PIN in writing, with your Card or otherwise;
8.4.3 Disclose your PIN to, or otherwise make it available to, any other person whether verbally or by entering it in a
way that allows it to be observed by others, or otherwise; or
8.4.4 Enter the PIN in any cash machine that does not look genuine, has been modified, has a suspicious device
attached or is operating in a suspicious manner.
8.5 You will be responsible for all Transactions which you or any additional Cardholder authorise, whatever the
manner of such authorisation.
8.6 You agree to indemnify and hold harmless us and our distributors, partners, agents, sponsors (including without
limitation Clydesdale Bank PLC), and service providers and their group companies for and against the costs of any
legal action taken to enforce these Terms and Conditions and/or any breach of these Terms and Conditions or
fraudulent use of your Card or PIN by or authorised by you.


9.1 You should treat the e-money on your Card like cash in a wallet. If you lose your Card or it‟s stolen you may lose
any e-money on it in just the same way as if you lost your wallet.
9.2 In the event of loss, theft, fraud or any other risk of an unauthorised use of your Card, or if your Card is damaged
or malfunctions, you must contact Customer Services immediately. You will be asked to provide us with your Card
Number and some identifying details so that we can block your Card. In the event that you notify us in accordance
with this Agreement that your Card has been lost or stolen you will be liable for a maximum of £50 of any loss that
takes place prior to you contacting Customer Services.
9.3 Provided that you have given notification of your lost or stolen Card in accordance with paragraph 9.2 and that
paragraph 9.4 does not apply, then you will not be liable for losses that take place following the date on which you
gave such notification. If there is an Available Balance remaining on your Card we can replace your Card and
transfer the last Available Balance onto it (fees apply, see paragraph 11). Alternatively, your Available Balance can
be redeemed to you (see paragraph 7), unless we have any reason to believe that the notified incident has been
caused by your breach of this Agreement, gross negligence or if it raises reasonable suspicion of fraudulent or
improper conduct. If we replace the Card, the Card will be delivered to your home address, unless you have visited a
First Choice or Thomson Travel shop, in which case it will be issued to you in store (fees apply, see paragraph 11). If
you are travelling outside of the United Kingdom in the event of loss, theft, fraud or other risk of unauthorised used of
your Card, please contact Customer Services who will advise of your options with respect to the Card and Available
9.4 In the event that we have reason to believe you have acted fraudulently or you have acted with gross negligence
or acted intentionally in failing to notify us of a lost or stolen Card then you shall be liable for all losses.

If you make a Transaction in a currency other than the currency in which your Card is issued (a Foreign
Currency Transaction), the amount deducted from your Account will be converted to the currency in which your Card
is issued on the day we receive details of that Foreign Currency Transaction. We will use a rate set by MasterCard®
which will be available on each Business Day and changes in the exchange rate shall take effect immediately. We
will add the Foreign Currency Transaction Fee (see paragraph 11) to this rate. Exchange rates can fluctuate and
they may change between the time a Transaction is made and the time it is deducted from your Available Balance.
For Transactions made in the EEA and in an EEA currency you can find out the MasterCard Exchange Rate by
emailing Customer Services.
11. FEES
The currency of Card fees is in accordance with the Card currency. The Card fees are:
Your standard call provider charges will apply. Listed fee is for redemption via Customer Services only. In the event that redemption is made at a Thomson or First Choice store then Your standard call provider charges will apply.
There is no charge for the following services: Card Application; Monthly Management; Transaction; Online gambling
and betting transactions; IVR balance enquiry; Internet balance enquiry; Online Statement; PIN change at ATM; and
Reset of Forgotten PIN.
11.2 We will deduct any taxes or charges due from the Available Balance on your Card. If there is no Available
Balance of funds on your Card, or taxes or charges exceed the balance of funds available, we shall send an invoice
to you and will require you to refund us within 14 days of the invoice. Should you not repay this amount within 14
days of receiving an invoice from us we reserve the right to take all steps necessary, including legal action, to
recover any monies outstanding.


12.1 If you have a reason to believe that a Transaction for which your Card was used is unauthorised or has been
posted to your Account in error, then at your request we will examine your Account and the circumstances of the
Transaction. We strongly recommend that you check My Account on a regular basis as it is updated instantly and
notify us by contacting Customer Services as soon as possible, but in any event within 13 months of the date of the
relevant Transaction. Please be aware that any delay in notifying us makes it more difficult for us to obtain evidence
as to whether the Transaction was authorised and may therefore increase the time involved in investigating the
Transaction. If you dispute the Transaction, the Merchant must be able to prove that the Transaction actually took
12.2 Once we are reasonably satisfied that you did not authorise the Transaction and that we are required to refund
the Transaction under this Agreement then we will refund the Transaction amount together with any charges on that
amount and will have no further liability to you. We may require you to liaise with appropriate authorities with respect
to the disputed Transaction.
12.3 Until our investigation is complete the disputed amount will be unavailable to spend. It may later be deducted
from your Account if we receive information that proves that the Transaction was genuine. In this event we will
charge you a £10 administration fee.
12.4 We reserve the right not to refund sums to you if we believe that you have not acted in accordance with this
Agreement and to report any fraudulent activities to the relevant authorities.
We may change the Terms and Conditions of this Agreement, including fees and limits by providing you with at
least 60 days notice by email (provided you have registered for My Account and maintained your email address
details) and will ensure the most recent version is always available on the Website.
13.2 If any change to this Agreement is to your advantage then we may make the change on less than 60 days
13.3 You may terminate your Card any time within the 60 day notice period if you do not agree with the changes to
the Terms and Conditions. However, in the event you do not cancel during this period then you will be deemed to
have accepted them and the changes will apply to you.
13.4 If any part of this Agreement is inconsistent with any regulatory requirements then we will not rely on that part
but treat it as if it did actually reflect the relevant regulatory requirement. If we need to make operational changes
before we can fully comply with the new regulatory requirement, we will make those changes as soon as reasonably
practical. We will update our Terms and Conditions to reflect the new regulatory requirements when they are next

You may cancel your Card before activating it, and up to 14 calendar days after the date of activation („the
Cancellation Period‟), without giving a reason by writing to Customer Services at the address given in paragraph 20
of these Terms and Conditions or visiting a Thomson or First Choice store. This does not apply to replacement
Cards where the cancellation period for the original Card has expired. Upon cancellation, we will refund to you within
30 days any Available Balance on your Card in pounds sterling.
14.2 You may terminate your Card any time by exercising your rights under paragraph 7. You will not be charged for
cancelling your Card but a redemption fee will apply (please see paragraph 11).

We can terminate this Agreement at any time:
15.1.1 if we give you 60 days‟ notice and refund the Available Balance to you, or
15.1.2 with immediate effect if you have breached this Agreement, or if we have reason to believe that you have
used, or intend to use the Card in a grossly negligent manner or for fraudulent or other unlawful purposes or if we
can no longer process your Transactions due to the actions of third parties.
15.2 We can suspend your Card at any time with immediate effect (and until your default has been remedied or the
Agreement terminated) if:
15.2.1 We discover any of the information that you provided to us when you applied for your Card was incorrect.
15.2.2 A Transaction has been declined because of a lack of Available Balance,
15.2.3 You have breached this Agreement or we have reason to believe that you have used, or intend to use the
Card in a grossly negligent manner or for fraudulent or other unlawful purposes or if we cannot process your
Transactions due to the actions of third parties.
15.3 In the event that we do suspend or cancel your Card then if we are able to do so, we will tell you in advance
otherwise we will let you know immediately afterwards. We may advise anyone involved in the Transaction if a
suspension has taken place.
15.4 In the event that any additional fees are found to have been incurred on your Card following termination by
either you or us, then subject to these Terms and Conditions, you shall refund to us any sum which relates to a
withdrawal on the Card or fees and/or charges validly applied whether before or after termination. We'll send an
invoice to you and will require you to refund us within 14 days. Should you not repay this amount within 14 days of
receiving an invoice from us we reserve the right to take all steps necessary, including legal action, to recover any
monies outstanding.

Our liability in connection with this Agreement (whether arising in contract, tort (including negligence), breach of
statutory duty or otherwise) shall be subject to the following exclusions and limitations:
16.1.1 we shall not be liable for any default resulting directly or indirectly from any cause beyond our control,
including but not limited to, a lack of funds and/or failure of network services at cash machines, maximum withdrawal
limits set by cash machine operators and failure of data processing systems.
16.1.2 we shall not be liable for any loss of profits, loss of business, or any indirect, consequential, special or punitive
16.1.3 where the Card is faulty due to our default, our liability shall be limited to replacement of the Card, or at our
choice, redemption of the Available Balance,
16.1.4 in the unlikely event that sums are deducted from your Available Balance but you did not authorise such
deduction in accordance with these Terms and Conditions then our liability shall be as set out in paragraph 12, and
16.1.5 where sums are incorrectly deducted from your Available Balance due to our default, our liability shall be
limited to payment to you of an equivalent amount, and
16.1.6 in all other circumstances of our default, our liability will be limited to redemption of the Available Balance.
16.2 Nothing in this Agreement shall exclude or limit our liability for death or personal injury resulting from our
negligence or fraud.
16.3 To the extent permitted by law, all conditions or warranties implied by law, statute or otherwise are expressly
16.4 The above exclusions and limitations set out in this paragraph 16 shall apply to any liability of our affiliates such
as Clydesdale Bank PLC, MasterCard® International Incorporated, or other suppliers, contractors, agents or
distributors and any of their respective affiliates (if any), to you, which may arise in connection with this Agreement.

You may provide us with personal data from time to time in connection with your Card. Some personal data will
be necessary for us to provide you with the Card and services under this Agreement. You must notify us immediately
of any change of name and address by contacting Customer Services.
17.2 We and our affiliates are committed to maintaining your personal data in accordance with the requirements of
the Data Protection Act and will take all reasonable steps to ensure that your personal data is kept secure against
unauthorised access, loss, disclosure or destruction. Except as required by law, or in accordance with these Terms
and Conditions, your personal information will not be passed to anyone without your permission. To comply with
Anti-Money Laundering Regulations, we are required to request evidence of identity from you and may use an ID
verification agency or credit reference agency (whose names and addresses will be provided to you on request) both
prior to and following issue of your Card for this purpose and who will add details to your record of our request for a
17.3 You agree that we can use your personal data in connection with the Card, and the e-money associated with
the Card, to contact you about replacement Cards, and to enable us to review, develop and improve our products
and services. This may involve providing your personal data to our partners, affiliates, agents, distributors, and
suppliers including TUI Travel PLC, Clydesdale Bank PLC and to MasterCard International Incorporated and its
affiliates to process Transactions and for their statistical research and analytical purposes. We may also transfer
your personal data outside of the EEA to enable you to use the Card while you are travelling, and such countries
may not offer the same protections for personal data. We may also disclose your personal data as required by law,
regulation or any competent authority or agency including to authorities and agencies to investigate possible
fraudulent, unlawful or unauthorised activity.
17.4 You may contact us at anytime to request us to stop such use or further disclosure to other companies for such
17.5 You have a right to inspect the personal data we hold about you however we will ask you to pay an inspection
fee of £10.00 to cover our costs. For further information please contact Customer Services.
17.6 If we discover that the information we hold about you is incorrect, we may have to suspend or cancel your Card
until we can establish the correct information, in order to protect us both.
17.7 It's your responsibility to keep us updated of changes to your personal details, including email address. Failure
to do so may result in us being unable to contact you regarding your Card, including the provision of refunds to which
you might be entitled or to let you know about changes to Terms and Conditions.

Complaints regarding any element of the service provided by us should be sent in writing to the address in
paragraph 20 below or by email to Customer Services.
18.2 All complaints will be subject to our Complaints Procedure. We will provide you with a copy of our Complaints
Procedure upon request and, if we receive a complaint from you, a copy of our Complaints Procedure will
automatically be posted to you.
18.3 If we fail to resolve your complaint to your satisfaction you may refer your complaint to the Financial
Ombudsman Service (South Quay Plaza, 183 Marsh Wall, London E14 9SR, phone 0845 080 1800). Details of the
service offered by the Financial Ombudsman Service are available a
18.4 The Financial Services Compensation Scheme is not applicable for the Card. No other compensation schemes
exist to cover losses claimed in connection with the Card.

Any delay or failure to exercise any right or remedy under this Agreement by us shall not be construed as a
waiver of that right or remedy or preclude its exercise at any subsequent time.
19.2 If any provision of this Agreement is deemed unenforceable or illegal, the remaining provisions will continue in
full force and effect.
19.3 You may not assign or transfer any of your rights and/or benefits under these Terms and Conditions and you
shall be the sole party to the contract between us. You will remain liable until all Cards issued to you are cancelled or
have expired and all sums due under these Terms and Conditions have been paid by you in full. We may assign our
rights and benefits at any time without prior written notice to you. We may subcontract any of our obligations under
this Agreement.
19.4 No third party who is not a party to this Agreement has a right to enforce any of the provisions of these Terms
and Conditions, save that Clydesdale Bank PLC, MasterCard® International Incorporated and their respective
affiliates may enforce any provision of this Agreement which confers a benefit or a right upon them and a person
specified in paragraph 16.4 may enforce paragraph 16.
19.5 This Agreement contains the information set out in Schedule 4 of the Payment Service Regulations 2009 and
you can obtain a copy of this Agreement at any time by visiting My Account or the Website.
19.6 This Agreement is governed by English law and you agree to the non-exclusive jurisdiction of the courts of
England and Wales.

If you‟ve got a question, you can contact Customer Services for Thomson Cards by phoning +44 (0)2031 300
133 or for First Choice Cards by phoning +44 (0) 2031 300 135 both lines are open 24 hours a day, or by writing to
Customer Services at Travel Money Card, PO BOX 3371, Swindon, SN5 7WJ, or by emailing
A lost and stolen card service is also available 24 hours a day on the
Customer Services phone number.
MasterCard is a registered trademark of MasterCard International Incorporated.


Policy name

FIRST AID AND MEDICAL POLICY Contents 1. General 1.1. Introduction 1.2. School Responsibilities 1.3. Parent Responsibilities 3.1. Aims 3.2. Strategies 3.3. Asthma Management Procedure 3.4. Anaphylaxis Management Procedure 4. Administration of prescribed & other medicines 9.1 Non-oral medication 9.2 Oral medication 5. Communicable Diseases Attachments A: Asthma Information

Papers published in journals/ present in conferences

PAPERS PUBLISHED IN JOURNALS/ PRESENT IN CONFERENCES JOURNALS: 1. A validated RP-HPLC method for estimation of Oseltamivirinpharmaceutical formulation, J. S. K. Nagarajanetal Der Pharmacia Lettre; 2009, 1 (1):162-168 2. Bioequivalence Study and Pharmacokinetic Evaluation of Two Brands of Tadalafil 20mg tablets in an Indian Population, www. 3. Estimation of acetaminophen, dextrop

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