THE NEW WAY TO CARRY CURRENCY USER GUIDE

THE NEW WAY TO CARRY CURRENCY USER GUIDE Find out how to; USE YOUR CARD OVERSEAS MANAGE YOUR BUDGET RELOAD YOUR CARD AND MUCH MORE...

Welcome to your new The Cash Passport is a traveller s card, issued in accordance with the Foreign Exchange Transaction Law, for use by the holder to pay for travel expenses whilst travelling outside Korea. Here are some easy to follow instructions on using your new Cash Passport Before you go this bit s important! Please sign the back of your Card as soon as you get it, then memorise your PIN. Do not keep your PIN with your Card. If you want to change your PIN to something more memorable, simply go to My Account at and follow the instructions. Or you can call Card Services and change your PIN over the phone. This Card is intended for international use only and should not be used within Korea. SIMPLY PREPAY AND GO! The secure and convenient way to spend abroad How to use your Cash Passport You can use your MasterCard Cash Passport at any ATM outside Korea, displaying the MasterCard Acceptance Mark. Simply enter your PIN and how much you want to take out. After that, all you have to worry about is what to spend the money on. You can also use your Cash Passport at any merchant outside Korea (including restaurants, shops, entertainment venues and online), displaying the MasterCard Acceptance Mark. Please note: when making a purchase with your Cash Passport, always request to sign the receipt instead of entering your PIN, as the PIN at POS service is not currently available and may return an error message. Even if the merchant offers the option to enter your PIN, your Card will only work with a signature. Please also note that limits apply (refer to the fees and limits table in this User Guide). Checking your balance Simply go to My Account at, register your Card and you ll be able to see your Cash Passport balance and any recent transactions. Alternatively, you can phone Card Services to use the automated balance service. Some ATMs may also provide balances, however if the local currency is not the same as the currency on your Card, the exchange rate used may be different to that applied to your Card and a variation may occur. That s why we recommend using the online or telephone balance enquiry services. Want to put more money onto your Card? Just take your Cash Passport and valid photo ID to any participating branch of the bank where you bought it, and they will reload the Card for you. Cash Passport is only reloadable by the primary cardholder in the country of purchase. You can also reload your Card using internet banking provided you hold an active bank account with Standard Chartered Bank Korea. For more information, visit How about buying things online? As long as your online retailer accepts MasterCard, then you can use your Cash Passport to shop online (within the limits and restrictions of your Card). You may be asked SECURE CONVENIENT RELOADABLE to provide the security code that s printed on the signature strip on the back of your Card. Your Cash Passport cannot be used at online retailers based in Korea. What if there isn t enough money on your Card to buy something? Sometimes you might see something that costs more than you ve got available on the Card. That s OK, if the merchant supports partial payments you may be able to pay the difference with another MasterCard or some other way. Just make sure you tell the cashier before paying and confirm the amount you want deducted from your Card. The cashier should process your Cash Passport payment first, and then accept the remainder of the balance however you want to pay it.

information visit service and choose to pay in the local currency. Pre-authorisation It is not recommended to use your Cash Passport as a guarantee of payment for hotels, car hire, etc. These companies may estimate your bill, and if you use your Card as a guarantee for the estimated amount, the funds will be temporarily unavailable to access or spend. You can of course use your Cash Passport to settle your final bill. Cruise lines will not accept your Cash Passport for establishing an on-board spending account when checking in. However, your Card can be used in most instances to settle your final bill. What if your Card is declined? Normally the only time this will happen is if you don t have enough funds on your Card to cover the cost of the purchase. You may be able to use the balance on your Cash Passport for part payment and complete with another payment method. Please make sure you request to sign the receipt, when making a purchase, even if the merchant offers the option to enter your PIN. Your Card will only work with a signature at merchants (outside Korea), and entering your PIN may cause the transaction to be declined. In some countries, there may be daily or weekly withdrawal limits from ATMs, which may be lower than the limit on your Card. For more Dynamic Currency Conversion Payments Dynamic Currency Conversion (DCC) is an optional service that is sometimes offered by foreign retailers and ATM operators abroad, giving cardholders the choice of paying in either the currency of the country they are visiting or their own domestic currency. If you use your Card in a country where the local currency is the same as the currency on your Card (e.g. using a US Dollar Cash Passport in the USA) and you opt in to a DCC service, this may result in a foreign exchange transaction at additional cost to you. If you wish to avoid this risk, you should opt out of the DCC Your Cash Passport, once loaded, gives you easy access to local currency worldwide, wherever you see the MasterCard Acceptance Mark. Please read this User Guide and Terms and Conditions thoroughly and we hope that you enjoy using your Cash Passport. Contact details If you have a specific Card query, please contact Card Services by telephone on one of the numbers listed below. If you have any other queries, or want to pass on any comments about using your Card, please get in touch at cardservices@ accessprepaidww.com Useful telephone numbers for 24/7 assistance, Card Services, lost or stolen Cards. If your Cash Passport is lost or stolen, please contact Card Services immediately, so that they can cancel it and offer assistance, including emergency cash replacement up to the available balance on your Card (subject to availability). Country Freephone Number Australia 1800 889 040 Hong Kong 800 964 453 Japan 00531 780 167 South Korea 00 798 443 1170 Thailand 001 800 442 056 UK 0800 015 0401 USA/Canada 1 888 713 3424 The complete list of freephone numbers for over 50 countries is available on Alternatively, if the country you are in is not listed, you can use the number below ( Other Countries ) to contact Card Services. Other Countries +1 954 838 8294 There may be a charge for calls to these numbers, if phoning from a hotel or mobile phone. Please remember to add the international prefix of the country you are in at the beginning of this number (in most cases this is 00, for example 001 954 838 8294). Calls to this number are not free of charge.

Please note that the Cash Passport fees and limits are subject to variation, in accordance with the Terms and Conditions and that Card usage is only allowed outside Korea. Fees US$ Load/Reload fee Please check with Purchase Location ATM fee per withdrawal* 3.00 Purchase from merchant (e.g. shops and restaurants)* Monthly inactivity fee debited from your Card if it has not been used for 12 months** Additional Card linked to the same funds Free N/A Free Shortfall fee 15.00 Cash over the Counter fee 10.00 Cashout fee (at SCB Branches in Korea only) N/A Limits Maximum amount you can withdraw from ATMs in 24 hours* 5,000 Maximum amount that you can spend at merchants in 24 hours* 10,000 Maximum amount you can withdraw as cash over the counter in 24 hours 250 Minimum amount you can load on your Card 100 Maximum load and maximum balance allowed on your Card at any one time*** 10,000 Maximum load over 12 months**** 100,000 * Some ATM operators and merchants may charge an additional fee or set their own withdrawal limits. Please confirm whether additional fees or limits apply before making withdrawals or purchases. Also, please note that some ATM operators may refer to a cash withdrawal as a cash advance. **Such fee will be waived if your Card has a zero (0) balance or if there is no remaining balance following the debit of any monthly inactivity fee (if the balance is less than the fee). *** The balance of the Card may in no event exceed USD 10,000 or equivalent, even if the currency of the Card is not USD. **** The total amount you may load onto all prepaid cards issued to you by us during any twelve (12) month period. Merchant transactions and ATM withdrawals in a currency other than the currency of the Card will be exchanged to the currency on the Card at an exchange rate determined by MasterCard on the day the transaction is processed, increased by 4.00%. Cash Passport is issued by Standard Chartered Bank Korea Limited, pursuant to license by MasterCard Asia/Pacific Pte. Ltd. MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. For a PIN reminder, to check your balance and view your transactions, visit and register your Card on My Account. Alternatively, call Card Services, using one of the numbers provided. For more information about your Cash Passport, please visit

Cash Passport TM Prepaid MasterCard Terms and Conditions By purchasing the Cash Passport Card (the Card ) you agree to comply with these Terms and Conditions and the Fees and Limits section in the User Guide (together the Agreement ). This is a copy of your Agreement for you to keep. A further copy is available on request (see Contact Us). The Card is a traveler s card, issued in accordance with the Foreign Exchange Transaction Law, for use by the holder to pay for expenses whilst travelling, studying or staying outside Korea. 1. In these Terms and Conditions: 1.1. Card Services means any services, including call centre services, provided by us or our third party service provider, Access Prepaid Worldwide Ltd (the Programme Manager ), in connection with the Card. 1.2. Purchase Location means any branch of the business from which you purchased the Card. 1.3. User Guide means the document entitled User Guide which is attached to and forms part of these Terms and Conditions. 1.4. we, us, our means Standard Chartered Bank Korea Limited. 1.5. you, your means the purchaser of the Card. 1.6. A reference in these Terms and Conditions to the Card should be read as including any additional Card or replacement Card issued to you. 2. Your Cash Passport Card 2.1. Cash Passport is a prepaid traveler s card, which can be loaded in the currency of the Card. 2.2. You will receive an additional Card ( Additional Card ) at the time of purchase, which can be used by you in the same way as the Card but may not be used for reloads or cash outs. 2.3. The Additional Card is a back-up for security purposes and only you can use it. 2.4. There is no interest payable to you on the balance and the Card funds do not amount to a deposit with us. The Card is not subject to the law of the Depositor Protection Act. 2.5. Except as otherwise set out in the Agreement, any liability we have to you is equal to the balance on the Card at any given time and is in the currency of the funds loaded onto the Card. Card loads or reloads will only be credited to the Card balance once we, or our agent, have received cleared funds from you. The Card balance will decrease as a result of transactions and fees, as soon as we authorise the relevant transaction. Where a fee applies, that fee will be deducted from the balance on the Card at the relevant time and the Card balance will decrease accordingly. Please see section 9 for an explanation of how to redeem any unspent balance on the Card. 3. Purchasing the Card 3.1. The Card will be issued to you upon receipt of a duly completed application form. Our notified exchange rate for Wire Transfer Sending on the relevant day will be applied to the initial load. 3.2. To purchase the Card, you need to visit the Purchase Location with your ID, fill out the necessary documentation, for instance the Cash Passport application form, and pay the load amount and any applicable fees by cash or account transfer. 4. Reloading the Card 4.1. The Card is reloadable prior to its expiry. The minimum amount you may load on the Card is USD $100. The maximum amount you may load at any one time is USD $10,000. The exchange rate used for reloading a Card will be our notified exchange rate of Wire Transfer Sending. 4.2. To reload the Card, you also need to visit the Purchase Location as you did to purchase the Card, fill out the necessary form and pay the amount you wish to reload. If you wish to reload through the internet, separate ID verification process is required. For more information on reloading, please visit 5. Using the Card 5.1. The Card cannot be used to make purchases from merchants or at ATMs within Korea. As the Card is a traveler s card it can only be used in countries outside of Korea. 5.2. To use the Card at ATMs outside of Korea you will need to enter the PIN. To use the Card to purchase items at merchants outside of Korea you will need to present the Card and sign the receipt with the same signature as on the Card. 5.3. There may be a delay of up to 4 hours before you are able to use the Card. 5.4. The Card can be used worldwide (except in Korea) wherever you see the MasterCard, Maestro or Cirrus Acceptance Mark at ATMs and MasterCard merchants, including shops, restaurants and online, providing there are sufficient funds available on the Card for the transaction, including any applicable fees. 5.5. The amount of each transaction and any associated fees will be deducted from the balance on the Card. We cannot stop a transaction once authorised. 5.6. When using the Card at certain merchants, including hotels and restaurants, the merchant may hold an additional amount to cover tips/gratuities temporarily reducing the balance available on the Card. 5.7. We do not recommend using the Card as: (i) a guarantee of payment, for example as a deposit for hotels, cruise lines or car rental, as merchants such as these may estimate the final bill and this amount will be placed on hold by the merchant and become temporarily unavailable to access or spend; or as (ii) an arrangement for periodic billing as any debits to the Card as a result of such arrangements will be considered to have been authorised by you. Only the actual amount of the final bill will be deducted from the Card. 5.8. The Card is only for your use and expires on the date on the front of the Card, however you will still be able to obtain a refund of the balance or get a replacement Card after the expiry date. 5.9. You will be responsible for all transactions made by using the Card or Additional Card and for ensuring that every Card and Additional Card is used only in accordance with these Terms and Conditions. 5.10. The Card may not be used for money transfers or for accessing or purchasing goods from adult or gambling locations or internet sites and must not be used for any unlawful activity. You must comply with all laws and regulations (including any foreign exchange controls) in respect of the Card in the country of purchase and/or use. We may suspend the Card or end this Agreement when you attempt to use the Card in violation of, or your use of the Card is restricted under, such laws and regulations. 5.11. You can only use the Card if it has a positive balance. In the unlikely event that the balance on the Card drops below zero (0), you agree to reload the Card to bring the balance back to zero or above, within thirty (30) days of request, and pay the applicable shortfall fee. 5.12. We are entitled to set off any sum of money on the Card due from you to us against any positive balance on any other card held by you with us. 6. Keeping the Card and PIN secure 6.1. You must sign the back of the Card as soon as you receive it. 6.2. You must do all that you reasonably can to keep the Card safe and the PIN and other security details secret at all times. 6.3. You must never allow anyone else to use the Card, PIN or other security information. 6.4. You must never write down or record the PIN or any other security information with the Card. 6.5. We will never ask you to reveal the PIN. 6.6. The Card/PIN may be disabled if an incorrect PIN is entered three (3) times. If the Card/PIN is disabled, please contact Card Services to reactivate the Card/ PIN. There may be a twenty-four (24) hour delay in reactivating the Card/PIN. 6.7. You must call us immediately and without undue delay if you lose either of the Cards or believe either Card could be misused or you suspect that someone else may know the PIN or any other security details. We will suspend the appropriate Card to prevent further use. If a lost Card is subsequently found it must not be used unless Card Services confirm it may be used. 6.8. In case of theft or loss of cards, you will be liable for all losses that have arisen before your notification to us, and we will be liable for all losses which have arisen after your notification to us. 6.9. You will be required to confirm details of the loss, theft or misuse to us in writing and you must assist us and the police in any enquiries. 6.10. We may suspend the Card with or without notice, if we think the Card has been or is likely to be misused; if you have breached any of these Terms and Conditions; if we suspect any illegal use of the Card. 6.11. If you are entitled to a refund for any reason, for goods or services purchased using the Card, the merchant should only make this refund to the Card.

7. Liability for unauthorised transactions 7.1. You will be liable for all Card transactions which you have authorised. You will also be liable for transactions which you have not authorised if you have acted fraudulently; if you have failed to use the Card in accordance with the Agreement, if you have failed to notify us in accordance with clause 6.7 on becoming aware of the Card loss, theft, or misuse; or if you have failed to take all reasonable steps to keep the Card s security features safe. You must notify us of any dispute without undue delay and in any event within 180 days of the relevant transaction. Subject to the above paragraph, you will not be liable for any unauthorised Card transactions. 7.2. We will not be liable for any Card transactions authorized by the provision of the correct PIN even if there is any loss to you caused by loss or theft. However if the PIN has been exposed without your intentional disclosure or negligence, for instance by any violence or physical coercion to you or your family, we will be liable for the loss. 8. Fees and Limits 8.1. From time to time we may limit the amount you can load on the Card, or the amount you can withdraw from ATMs or spend at merchants over certain time periods. Some ATM operators and merchants also impose their own limits on the amount that can be withdrawn over a specific time period. 8.2. Fees apply to the Card. Please note that fees apply to the loading of funds to the Card, Card usage (for example, ATM withdrawals), redemptions of unspent funds and when you use the Card in a currency other than that loaded onto the Card. For details on the fees that apply to the Card, please refer to the Fees and Limits table in the User Guide, or on 9. Redeeming Unspent Funds You may redeem any unspent funds on the Card through the Purchase Location. Payment will be in Korean Won and the exchange rate used will be our notified exchange rate of Wire Transfer Receiving on the relevant day. 10. Ending this Agreement 10.1. This Agreement continues until the Card expires or until we end it in accordance with the Agreement, or if you ask us to end it by writing to, or emailing Card Services. 10.2. We may end this Agreement by giving you at least thirty (30) days written notice by letter or email to the address you have provided us. 10.3. We may ask for the return of the Card and end this Agreement, with or without notice, if you materially breach any of these Terms and Conditions 10.4. The ending of the Agreement will not affect your right (if any) to redeem unspent funds in accordance with clause 9 above. 11. Changing the terms and Interpretation 11.1. We may change the Agreement (including by bringing in new terms and fees or changes in the fees and services we offer) at any time at our discretion by giving you at least thirty (30) days notice. We will notify you of changes to the Agreement by email or in writing to the contact details you have provided us. 11.2. We will notify you of changes at least thirty (30) days before the change is implemented. If you are dissatisfied with any change you can end the Agreement by contacting us. 11.3. Matters that are not set out in the Agreement and the interpretation of the Agreement will conform to the regulations that govern Foreign Exchange transaction or current commercial practices, as relevant. 12. Personal Data 12.1. We may contact you by telephone, letter or email at the contact details you provide us. You must let us know immediately if you change your name, address, phone number or email address. 12.2. By purchasing the Card and using it, you consent to us and our service providers processing the information we collect about you ( Personal Information ) in connection with the Card Services under this Agreement. 12.3. Your Personal Information may be disclosed by us to third parties (including the Programme Manager and other third party providers) to enable us to provide the Card Services and for data analysis, anti-money laundering, detection of crime, legal compliance, enforcement and fraud prevention purposes. 12.4. Your Personal Information may be processed outside of the country of purchase, but all service providers are required to have adequate safeguards in place to protect your Personal Information. 12.5. You agree we may contact you about other products and services provided by us or the Programme Manager and its affiliates. If you no longer wish to receive this information then please contact us. 12.6. You can contact us for a copy of the Personal Information we hold about you, pursuant to our privacy policy and other rules. A fee may be charged for this service. 12.7. To aid us in the provision of the Card Services and improve our service, telephone calls may be recorded and/or monitored. By using this service you consent to this recording and/or monitoring. 13. Our liability to you 13.1. Unless otherwise required by law or as set out in the Agreement, we will not be liable to you in respect of any losses you or any third party may suffer in connection with the Card, except where such losses are due to a breach by us of the Agreement or due to our negligence. 13.2. We are not responsible for ensuring that ATMs and point of sale terminals will accept the Card or for the way in which a merchant processes a transaction. We will not be liable to you for disputes concerning the quality of goods or services purchased on the Card or any additional fees charged by the operator of these terminals. 13.3. Nothing will limit our liability to you for death or personal injury arising out of our negligence, or for our fraud, or insofar as any limitation or exclusion of liability is prohibited by law. 14. Law and Jurisdiction This Agreement and any disputes, which arise under it, shall be exclusively governed by Korean law and subject to the exclusive jurisdiction of the district court of your residence address or address of the Purchase Location where you purchased the Card as the court of first instance. 15. Third Party Rights Except for any party referred to in clause 16, nothing in the Agreement gives any third party any benefit or right (including any enforcement right). 16. Transferring our rights We may assign any of our rights and obligations under the Agreement without your prior consent, to any other person or business, subject to such party continuing the obligations in the Agreement to you. 17. Contact Us 17.1. If you have any queries regarding the Card, please refer to 17.2. If you have any further queries, are dissatisfied with the standard of service, you think we have made a mistake in operating the Card or you require information about your Personal Information, please contact Card Services. 17.3. We can be contacted by phone on 1588 1599 and you can also contact Card Services, using the details in the Contact Us section of the User Guide or by writing to Card Services, Access Prepaid Worldwide Ltd, Worldwide House, Thorpe Wood, Peterborough, PE3 6SB, England, UK. 17.4. We will try to resolve any problems as quickly as possible and in accordance with our complaints procedure, which can be found on or is available on request. Cash Passport is issued by Standard Chartered Bank Korea Limited, pursuant to license by Asia/Pacific Pte. Ltd. MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.

For all your Cash Passport needs, visit Cash Passport is issued by Standard Chartered Bank Korea Limited, pursuant to license by MasterCard Asia/Pacific Pte. Ltd. MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. CP9888/V3/0512