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		5. HOW YOUR REPAYMENTS ARE USED 5.1 If you pay up to the full minimum payment, we will apply the amount you do pay to reduce what you owe us in the following order: interest on any Transferred Balances and the Revolving Balance; and the remainder of the minimum payment will be divided between the balances stated in Condition 2 and applied to those balances accordingly. The amount apportioned to the Revolving Balance will be divided equally between the categories within that balance. 5.2 Other than during your introductory promotion period when the Transferred Balances in the first bullet will include all Transferred Balances, if you pay more than the minimum payment, we will apply any amount over the minimum payment in the following order: Transferred Balances on which interest is charged at a promotional rate (in the order they were put on the Account); and the Revolving Balance in the following order: (i) Card repayment protection premium (if applicable) and Charges; (ii) Cash Advances included in your current statement; (iii) Transferred Balances put on your Account that are not charged at any promotional rates (including any Transferred Balances on which any initial promotional rate is no longer charged) and Purchases included in your current statement (including Purchases at a promotional rate); (iv) Cash Advances put on your Account after your latest statement date; and (v) Purchases put on your Account after your latest statement date. 5.3 If we change this order for any Special Promotion we will tell you in the details of the Special Promotion. 6. TOTAL CHARGE FOR CREDIT If you use your card to make a Purchase of £1500 and then repay that Purchase in 12 equal monthly repayments you would pay interest of £123.56 based on the annual interest rate which will apply for Purchases after the introductory promotion period for Purchases. KEY INFORMATION 7. CHARGES 7.1 If you break the terms of this Agreement we may charge you the following, where relevant, to cover the additional cost caused to us: £20 each month you go over the Credit Limit, even if we authorised the Transaction which resulted in you exceeding the Credit Limit; £20 if you do not keep up the payments on the Account; £20 for any payment returned or recalled for lack of funds; and (From 1 September this bullet will read as: £20 for any payment returned or recalled for any reason;) any costs and expenses reasonably incurred by us as a result of your breach of this Agreement. 7.2 We will charge: £2 for any payment made other than by BACS, Direct Debit, debit card or transfer from an Egg Savings Account; a handling fee of 2% of the amount of each Cash Advance (minimum fee £2.00). a handling fee of 2% (maximum fee £50.00) on the amount of each Transferred Balance made under a Special Promotion; 2.65% commission on all Transactions which have to be converted into sterling (see Condition 9.2 of the Egg Card (blue) Conditions); £2 for each paper statement; and if you ask us for any non-standard service, an amount which we will tell you before we provide the service. 10. Repayments 10.1 We may allow you occasional payment holidays. If we do this, we will still charge interest as if a payment was due during the payment holiday. 10.2 Where you make a payment into your Account by cheque, it will be applied to your Account when the cheque clears. The central clearing cycle applies to cheques paid into most clearing bank accounts (where clearance normally take three business days). As we are not a clearing bank, cheques paid into your Account normally take eight business days to clear. There may be a charge of £2 for cheque payments. 10.3 Where you make a payment into your Account ("on-account payment") between the statement date and the date your Direct Debit payment for that statement is collected, and the total of the on-account payment and the minimum payment given in that statement exceeds that Statement Total, we will collect as the minimum payment for that statement the difference between the Statement Total and the on-account payment. (From 1 September we will insert a new Condition 10.3 and will renumber the remaining Condition The new Condition 10.3 will read: 10.3 Where you make a payment into your Account by debit card it will be applied to your Account within four business days.) 11. Cash Back, Special Promotions and introductory offers 11.1 Subject to Condition 11.5 below, we will pay a Cash Back on all Purchases. Cash Back values may vary according to the type of Purchase and how it is made. We will tell you what the Cash Back values are when we open the Account and whenever we change them. 11.2 Cash Back you earn each month will be shown in your statement. In September each year, the total value of the Cash Back for the preceding year will be paid into the account from which we take your Direct Debit payments ("Direct Debit account"). If: the Cash Back payment to your Direct Debit account fails; or if you have not kept up to date with your payments; or you were over the Credit Limit on the date of your previous statement, then in these cases and also when you close your Account, we will pay the total value into your Account. In all circumstances we will not pay Cash Back if the total amount of Cash Back is less than £5. If, in any year, the Cash Back you earned is less than £5, it will not be carried forward to the following year. 11.3 If: you do not keep up-to-date with your payments; either of us has given notice to end this Agreement; or you go over the Credit Limit in any month, you may not earn any Cash Back for that month; and if you do not pay the minimum payment in any month; or you are given a refund for a Purchase on which we paid a Cash Back, we can deduct the Cash Back we gave you that month or on the refunded Purchase. 11.4 We may amend or add to this Condition 11 at any time for any of the reasons specified in Condition 17.1 (including those relating to Charges) and will tell you about the change as set out in Condition 17.2. In particular we may change the Cash Back values, the type of Purchase on which Cash Back is paid, how Cash Back is calculated and how it is paid to you. If we change the way in which we calculate Cash Back this will not affect the calculation in relation to any Purchases you have made before the change takes effect. 11.5 We may stop paying Cash Back by giving you 30 days notice. 11.6 Special Promotions and introductory offers If you: go over the Credit Limit in any month; or fail to keep up-to-date with your payments (including paying at least the minimum payment), we may withdraw the benefits provided by any Special Promotion which you would otherwise have received for that month. We may also withdraw the entire benefit provided by an introductory offer if you fail to keep up-to-date with your payments during that introductory offer period.