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RULES OF THE TRADING PROGRAM

PART I - PRELIMINARY


1. THE TRADING PROGRAM AND THE PARTIES INVOLVED

1.1 Trading Program. The “Trading Program” is a system to facilitate reciprocal trade amongst its Members.

1.2 Bartercard New Zealand LP. Bartercard New Zealand LP (“Manager”) operates the Trading Program (“the Licence”) and acts as a third-party record keeper of trade transactions amongst Members, and direct Members to each other for the purpose of facilitating trade transactions.

1.3 Bartercard Exchange Limited. Bartercard Exchange Limited (“Bartercard”) issues memberships in the Trading Program and is a party to the Deed of Management.

1.4 Member. A “Member” is a person or entity that is entitled to participate in the Trading Program and whose membership has been approved under the Rules of the Trading Program and unless otherwise stated includes an Extraordinary Member.

1.5 Extraordinary Member. An “Extraordinary Member” of the Trading Program is the classification given to the Manager and its subsidiary companies, BCNZ Holdings Limited, Bartercard Exchange Limited and Bartercard International Limited (other than in their capacity as Members) when participating in the Bartercard Trading Program by buying and/or selling products and/or services with other Members.

2. THESE RULES

2.1 Interpretation. In these Rules, unless the context otherwise requires:

(a) references to any legislation or legislative provisions include any statutory modification or re-enactment of, or any legislative provision substituted for, and any statutory instrument issued under that legislation or legislative provision;

(b) words denoting the singular number include the plural number and vice versa;

(c) words denoting individuals or persons include businesses, partnerships corporations, authorities, governments and governmental agencies and vice versa;

(d) words denoting any gender include all genders;

(e) headings are for convenience only and do not affect interpretation;

(f) references to recitals, clauses, schedules and annexures are recitals, clauses, schedules and annexures to these Rules;

(g) references to any agreement or document or instrument are to that agreement or document or instrument (and, where applicable, any provisions thereof) as amended, novated, supplemented or replaced from time to time;

(h) references to any party under these Rules, or any other document or arrangement, include that party's executors, administrators, substitutes, successors and permitted assigns;

(i) references to payment of an amount in Trade Dollars means causing the crediting of that Trade Dollar amount to the Trade Account of the person to whom payment is expressed to be made.

(j) where the context requires reference to Bartercard shall be deemed to include reference to the Manager and vice versa.


2.2 Definitions. In these Rules, unless the context so requires:

(a) “Agreement” means the agreement between Bartercard and the Member by which Bartercard grants to the Member the right to participate in the Trading Program.

(b) “Authorisation” means confirmation given by Bartercard to a Selling Member that a Buying Member has sufficient credit in its Trade Account to complete the Trade and that the relevant amount will be frozen in the Buying Member’s account until the Trade is complete. Any such Authorisation shall be recorded in books of Bartercard with a number which shall be called “the Authorisation Number” and the amount of the Trade shall be recorded in the Buying Member’s account as a debit.

(c) “Card” includes a Members Card, An Additional Card or a Gift Card unless otherwise specifically stated.

(d) “Confidential Information and Intellectual Property” means trade marks, logos, commercial names and designations, technical information, methods, processes, trade secrets, formulae, compositions, systems, techniques, computer programs, research projects, business information, customer lists, pricing data, sources of supply, financial data, marketing, training, production or merchandising systems and plans and other information relating to the Trading Program confidential to Bartercard.

(e) “Continual Supply Agreement” means an exclusive agreement that has been entered into between two Members with the prior written consent of Bartercard for the regular calendar monthly supply of goods and/or services where the consideration for any such supply is made by way of a combination of cash and Trade Dollars.

(f) “Deed of Management” means the Deed entered into between the Manager and Bartercard under which the Manager has agreed to manage the Trading Program.

(g) "Delinquent Member" means a Member in respect of which, by reason of its lack of trade activity or for any other reason, Bartercard considers that the likelihood that the Member will bring its Trade Account to a nil or credit balance within a reasonable time or at all, justifies the debit balance being written off, whether or not the debit balance has actually been written off.

(h) “Fees” means Membership Fees, Transaction/Service Fees, Administrative/Services Fees, Directory Fees and Display Advertising Fees unless otherwise specifically stated and includes both cash Fees and fees payable in Trade Dollars.

(i) “Limited Supply Member” means a Member which, with the prior approval of Bartercard, has either suspended or restricted its participation in the Trading Program and will be designated as such in the Bartercard Directory/Maps.

(j) “Membership Register” means the record kept by Bartercard of Members currently participating in the Trading Program.

(k) “Month” means a calendar month.

(l) “Normal Selling Price” means the price at which a Selling Member, sells or supplies it goods and/or services to non members on the same day.

(m) “Rules and Rules of the Trading Program” means the rules and regulations adopted by Bartercard from time to time to regulate the operation of the Trading Program and includes any subsidiary rules issued from time to time relating to any of the procedures of the Trading Program and furthermore includes any amendments or alterations made to such rules or subsidiary rules.

2.3 Purpose. The purpose of these Rules is to regulate the Trading Program by setting out the terms upon which Members may trade. These Rules govern the operation of the Trading Program.

2.4 Legally Binding. Bartercard and each Member agree to be bound by these Rules which, by force of the Membership Agreement signed by each Member, forms a contract between Bartercard and all of the Members jointly, between Bartercard and each of the Members severally, and between each Member and each other Member (“the Agreement”). If there is a conflict between the terms of the Agreement and these Rules, the provisions of these Rules shall prevail.

2.5 Survival of Obligations. These Rules are binding on the Members and obligations imposed upon Members under these Rules shall survive suspension or termination of the right of a Member to participate in the Trading Program.

2.6 Binding on Personal Representatives etc. The Rules are binding upon the Members, their executors, administrators, successors, permitted assigns and substitutes.

3. NATURE OF TRADE DOLLARS

3.1 Nature. A “Trade Dollar” is an accounting unit (equivalent to one New Zealand Dollar) used to record the value of goods and services traded. Trade Dollars are not legal tender, securities, debentures, or commodities. Bartercard has the right and power to regulate and control the number of Trade Dollars within the Trading Program.

3.2 Credit Balance an Asset of Member. The Trade Dollars recorded in the trading account of a Member (“Trade Account”) which has a credit balance represent an asset of that Member. Such a Member is entitled to obtain goods or services from another Member to a value equivalent to that credit balance.

3.3 Not a Liability of Bartercard. The Trade Dollars recorded in a Trade Account of a Member which has a credit balance do not constitute a liability or a debt payable by Bartercard or the Manager to any Member.

3.4 Debit Balance a Liability of Member. A Member whose Trade Account has a debit balance is liable to either:

(a) supply goods or services to an equivalent value to another Member; or

(b) if the Member has not discharged the Member’s liability by supplying goods or services to another Member, to pay to Bartercard an amount in cash in New Zealand Dollars equivalent to the amount in Trade Dollars of the debit balance.

3.5 No Obligation to Redeem or Convert. Under no circumstances shall Bartercard or the Manager be under any obligation to any Member to redeem or convert to cash or pay any amount for or in respect of Trade Dollars nor do Bartercard or the Manager warrant the negotiability of Trade Dollars.

3.6 Restriction on Use.

(a) Trade Dollars may only be used in the manner and for the purpose set forth in these Rules.

(b) For the avoidance of doubt, Trade Dollars must not be exchanged between Members for any cash consideration.






PART II - TRADING IN THE PROGRAM

4. ENTITLEMENT TO PARTICIPATE

4.1 Member. Only a Member current in the payment of any fees and charges owing to Bartercard, trading within its Credit Line limit and otherwise conducting itself in accordance with these Rules, is entitled to participate in the Trading Program.

4.2 Limited Supply Member.
A “Limited Supply” Member is a Member which, with the prior approval of Bartercard, has either suspended or restricted its participation in the Trading Program and will be designated as such in the Bartercard Directory/Maps.

4.3 Additional Cardholders. Bartercard may at a Member’s request issue additional Cards to any person nominated by the Member (“Additional Cardholder”) to be used subject to these Rules. The Member agrees to be liable for the use of the Additional Cardholder’s Card including any breaches of the Rules until the Additional Cardholder’s right to use the Card is withdrawn in accordance with Rule 4.4. In the event that the Additional Cardholder breaches any of these Rules, Bartercard may without notice suspend and/or withdraw the Additional Cardholder’s right to participate in the Trading Program.

4.4 Additional Cardholders Right Withdrawn. The Member shall give to Bartercard written notification of the Member’s intention to withdraw an Additional Cardholder’s right to use the Member’s Trade Account and shall return the Additional Cardholder’s Card to Bartercard forthwith. Bartercard shall withdraw the right of use effective from receipt by Bartercard of both written notification and the Additional Cardholder’s Card. A Member remains liable for all use of an Additional Cardholders Card until the additional Card is returned to Bartercard.

5. TRADE TRANSACTIONS

5.1 Trade. A “Trade” is a transaction conducted in the manner set out in these Rules between Members involving the sale and purchase of goods (which expression includes real and personal property and any right or title to or interest in any thing) or services. The party selling the goods or services is the “Selling Member”, and the party purchasing is the “Buying Member”. Unless otherwise specifically stated a “Trade” in these Rules shall mean an “Ordinary Trade” pursuant to Rule 6.1.

5.2 Trade Accounts. Bartercard shall establish for each Member a Trade Account for recording Trades entered into by them and other transactions in Trade Dollars which relate to them.

5.3 Recording of Trades. All Trades shall be recorded in the Trade Accounts of the participants to the Trade, by:

(a) crediting the Trade Account of the Selling Member with the Trade Dollar amount of the Trade (if necessary offsetting that amount against any debit balance in that Trade Account); and

(b) debiting the Trade Account of the Buying Member with the Trade Dollar amount of the Trade (if necessary offsetting that amount against any credit balance in that Trade Account).

5.4 No Agency. In conducting any Trade, Members do so as principals and not as agents of or through the Manager or Bartercard. Bartercard is not a party to any Trade, and Trades shall be entered into voluntarily by the Buying Member and Selling Member. Neither the Manager nor Bartercard is not the guarantor of any Trade or Trade Dollar or otherwise liable therefore.
5.5 Foreign Trade Dollars. Notwithstanding anything to the contrary in these Rules:

(a) No Selling Member shall enter into any Trade where, as a result of that Trade, the Selling Member shall receive more than T$20,000.00 in any 12 month period from a Bartercard Trade Account, other than a Bartercard Trade Account held by a Member in New Zealand, without the prior authorisation of Bartercard.

(b) No Member shall transfer more than T$20,000.00 in any 12 month period into that Member’s Trade Account in New Zealand from any Bartercard Trade Account outside New Zealand without the prior authorisation of Bartercard.

6. TRADE PROCEDURE

6.1 Ordinary Trades. The procedure for conducting payment for an Ordinary Trade is:

(a) (Produce Card) After the Trade has been completed the Buying Member shall produce its Card to the Selling Member.

(b) (Complete Voucher) Either the Buying Member or the Selling Member shall complete the following particulars of the Trade upon a form prescribed from time to time by Bartercard as the form to be completed for the purposes of a Trade (“Transaction Voucher”):

(i) The name of the Buying Member and its account number;

(ii) The name of the Selling Member and its account number;

(iii) A brief description of the goods or services;

(iv) The date upon which the Trade is entered into;

(v) The Trade Dollar amount of the Trade;

and the Selling Member shall confirm that the Card has not expired.

(c) (Sign Voucher) The Buying Member shall sign the Transaction Voucher and the Selling Member shall check that the signature on the Transaction Voucher conforms with the signature on the Card.

(d) (Endorse Authorisation) The Selling Member shall obtain and endorse the Transaction Voucher with the Authorisation Number issued by Bartercard pursuant to Rule 7 hereof.

(e) (Return of Voucher) The Selling Member shall send the original completed Transaction Voucher to Bartercard within seven (7) days, give the duplicate to the Buying Member, and retain the triplicate copy.

6.2 Trade by Product Voucher

(a) (Product Vouchers) Product Vouchers are prepaid Vouchers obtained through Bartercard which enable the bearer to receive goods and services from a named merchant to the value of the Product Vouchers without an Authorisation Number.

(b) (Product Vouchers obtained from Selling Member) From time to time, Bartercard may obtain from a Selling Member Product Vouchers in which case it shall:

(i) credit the Trade Account of that Member with the relevant Trade Dollar amount.

(ii) debit Bartercard’s Trade Account with that Trade Dollar amount.

(c) (Issue of Product Vouchers) At the request of any Member, Bartercard may issue to that Member a Product Voucher entitling the bearer to receive goods and services to the value of the Product Voucher in which case it shall:

(i) debit the Trade Account of that Member with the relevant Trade Dollar amount.

(ii) credit Bartercard’s Trade Account with that Trade Dollar amount.

(d) (Selling Member’s obligation) A Selling Member must trade with the bearer of a Product Voucher by supplying goods and services to the value of the Product Voucher. There is no need for the Selling Member to forward the redeemed Product Voucher to Bartercard after the Trade has been completed.

(e) (Payment of balance in cash) The bearer of a Product Voucher may, if the Trade Dollar amount of the Product Voucher is insufficient to meet the purchase price of the goods or services to be sold or provided by the Selling Member, pay the balance of the purchase price to the Selling Member in cash rather than in Trade Dollars.

(f) (No change payable) Where the Trade Dollar amount of the Product Voucher exceeds the purchase price of the goods or services to be sold or provided, the Selling Member is not obliged to pay any change or give any credit in favour of the bearer of the Product Voucher.

(g) (Product Vouchers not Issued) At any stage, should Product Vouchers remain un-issued, Bartercard may return the Product Vouchers, whether expired or not, to the named merchant and shall:

(i) credit the Trade Account of the Member to whom the Product Voucher(s) are being returned with the Trade Dollar amount of the Product Voucher(s), refunding any Transaction/Service Fees originally incurred.

(ii) debit Bartercard’s Trade Account with that Trade Dollar amount.

(h) (Supplementary or Amended Rules) Bartercard may, from time to time, issue supplementary or amended rules for the use of Product Vouchers, which shall be endorsed thereon, and Members using Product Vouchers shall be bound thereby.

(i) In respect of goods or services provided pursuant to the production of a Product Voucher, Bartercard or the Manager makes no express or implied warranty as to the merchantability or fitness for purpose of any such goods or services and for the purposes of such Trade the Member receiving the Product Voucher shall be deemed to be the Selling Member.

6.3 Trade by Gift Card

(a) (Gift Cards) Gift Cards are Cards preloaded with a Trade Dollar amount which entitles the authorised bearer to participate in the Trading Program.

(b) (Issue of Gift Cards) At the request of any Member, Bartercard may issue to a non-Member a Gift Card in which case it shall:

(i) debit the Trade Account of that Member with the relevant Trade Dollar amount.

(ii) credit the Gift Card being issued with that Trade Dollar amount.

The issue and value of Gift Cards shall be at the sole discretion of Bartercard.

(c) (Gift Card Use) – When a Gift Card is presented to a Selling Member for the purchase of goods or services, the Selling Member must follow the trade procedure as set out in section 6.1.

(d) In respect of goods or services provided pursuant to the production of a Gift Card, Bartercard or the Manager makes no express or implied warranty as to the merchantability or fitness for purpose of any such goods and services and for the purposes of such Trade the Member to whom the Gift Card is produced shall be deemed to be the Selling Member.

(e) (Supplementary or Amended Rules) Bartercard may, from time to time, issue supplementary or amended rules for the use of Gift Cards, which shall be endorsed thereon, and Members using or accepting Gift Cards shall be bound thereby.

6.4 Trade By Use of EFTPOS Terminal. The procedure for conducting Trades through the use of an EFTPOS Terminal is as follows:

(a) (Produce Card) Prior to receiving the goods or services the Buying Member shall produce its Member Card to the Selling Member;

(b) (Complete EFTPOS transaction) The Selling Member shall swipe or enter the Buying Member’s Card details through the Selling Member’s EFTPOS terminal;

(c) (Sign Voucher) The Buying Member shall sign the EFTPOS Transaction Voucher and the Selling Member shall check that the signature on the EFTPOS Transaction Voucher conforms with the signature on the Card;

(d) The Selling Member shall give the Buying Member a copy of the EFTPOS Transaction Voucher immediately after completing the Trade;

(e) The Selling Member shall retain the original EFTPOS Transaction Voucher for at least twelve (12) months after the Trade;

(f) The Selling Member shall provide Bartercard with a copy of the EFTPOS Transaction Voucher within forty-eight (48) hours after demand. Failure to do so may result in the Trade being reversed;

(g) If an EFTPOS terminal is not operational, then the trade procedure shall be followed as set out in clause 6.1.

6.5 Trade By Use of Electronic Commerce. The procedure for conducting e commerce Trades through the Internet is contained in the rules governing e commerce applications located at Bartercard’s Internet website which rules form part of these Rules.

6.6 Trade by way of mail, facsimile, telephone or internet order. The procedure for conducting Trades by way of mail, facsimile, telephone or internet order is:

(a) (Information Provided) Where the Selling Member has been granted phone/mail order status prior to receiving the goods or services, the Buying Member shall provide the Member Card or Additional Cardholders Card details (including name, number and expiry date) by way of mail, facsimile, telephone or internet order to the Selling Member.

(b) (Trade Procedure Followed) The appropriate procedure set out in Rule 6.1 (except Rule 6.1(c)) shall be then followed.

(c) (EFTPOS Procedure Followed) With EFTPOS Trades the appropriate procedure set out in Rule 6.4 shall be followed.

6.7 Acknowledgment of Liability. The signing by the Buying Member of the Transaction Voucher or the provision of the Buying Member’s Card details by or on behalf of the Buying Member constitutes:

(a) acknowledgment by the Buying Member that the Trade to which the Transaction Voucher relates has been conducted in accordance with these Rules;

(b) agreement on the part of the Buying Member that the Buying Member’s Trade Account is to be debited in accordance with Rule 5.3(b) with the amount referred to in the Transaction Voucher; and

(c) if the effect of debiting the Trade Account of the Buying Member with the Trade Dollar amount of the Trade, after offsetting that amount against any credit balance in that Trade Account, is to produce a debit balance in that Trade Account, an acknowledgment and evidence of the Buying Member’s liability as provided in Rule 3.4.

6.8 Non Compliance with Procedure. Where the Buying Member or the Selling Member do not comply with any part of the trade procedure set out in these Rules, Bartercard shall have the right to refuse to process the Trade or, if it has been processed, to reverse, cancel, or alter the entries in the Trade Accounts of the Members involved pursuant to Rule 18.

7. AUTHORISATION PROCEDURE

7.1 Authorisation to be Sought. Where the Trade Dollar value of a proposed Trade exceeds such amount as Bartercard may specify from time to time as endorsed on the Member’s Card (“Minimum Authorised Amount”), the Selling Member shall seek Authorisation for the Trade.

7.2 Authorisation Granted. If Authorisation is granted to a proposed Trade then Bartercard will issue an Authorisation Number.

7.3 Refusal of Authorisation. Bartercard shall be entitled to refuse Authorisation for any reason including, without limitation:

(a) that the Buying Member does not have sufficient Trade Dollars in its Trade Account or available credit in its Credit Line; or

(b) that either party is in breach of the Rules; or

(c) that the Selling Member failed to obtain Authorisation before the Trade.

7.4 Expiry of Authorisation. An Authorisation is valid only for a period of seven (7) days after the date upon which it was granted, after which it expires whereupon Bartercard may treat the Trade as if no Authorisation had been granted.

8. PROCESSING OF TRADES

8.1 Posting of Authorised Trade. Where Authorisation has been granted and the Authorisation Number so issued has been endorsed on the Transaction Voucher, Bartercard shall post the Trade to the Trade Accounts of the Selling Member and the Buying Member.

8.2 Obligation to Process. Bartercard is not obliged to process a Transaction Voucher where it reasonably suspects a breach of the Rules, fraud, or misleading or deceptive conduct by any party to the Trade or in any other circumstances.

8.3 Lost or stolen Card. A Member is liable for:

(a) All Trades conducted on a lost or stolen Card prior to Bartercard receiving written notification of the loss or theft.

(b) All Trades conducted on an Additional Cardholder’s Card prior to Bartercard receiving written notification of withdrawal under Rule 4.4 PROVIDED THAT if Bartercard is satisfied that the Member has made all reasonable efforts to obtain the Additional Cardholder’s Card but has been unable to do so, then Bartercard may in its sole discretion treat the Additional Card as being lost or stolen.

8.4 Where No Authorisation Number. If an Authorisation Number is not endorsed on a Transaction Voucher, Bartercard may post the Trade to the Member’s Trade Account but shall have no obligation to do so.

8.5 Late Receipt of Voucher. Bartercard may decline to process any Transaction Voucher which is received later than seven (7) days after the date of the Trade, even if Authorisation was granted.

8.6 Audit and Verification. All Trades are subject to final audit and verification by Bartercard and, in the case of errors or inaccuracies, a Member’s Trade Account may be debited or credited so as to correct any error without giving notice to the relevant Member.

8.7 Copy of Transaction Voucher. A Member who requests a copy of a Transaction Voucher shall be provided with a copy subject to payment of an administrative fee which may be prescribed from time to time.

8.8 Re-Presentation of Cheques. Members will be charged an administrative fee which may be prescribed from time to time for cheques that are required to be re presented or are referred to the drawer or for returning more than one copy of a Voucher.

9. TRADE CONDUCT

9.1 Identification.
(a) A Buying Member shall not be required to disclose to a Selling Member the Buying Member’s intention to pay with Trade Dollars until after the terms of the Trade have been agreed upon.

(b) When establishing the terms of trade, a Buying Member shall not seek or pressure a Selling Member for their best possible price.

(c) Once the terms of the Trade have been agreed upon, the Buying Member must clearly disclose to the Selling Member its intention to pay with Trade Dollars. Any such disclosure must be made at the time of making the booking, placing the order or accepting a quote and before the Trade becomes binding.

9.2 Ethical Pricing.
(a) A Selling Member shall charge the Normal Selling Price for all goods and services sold through Bartercard. The “Normal Selling Price” means the price at which a Selling Member, sells or supplies it’s goods and/or services to non members on the same day.

(b) A Buying Member may seek a discount from a Selling Member’s Normal Selling Price after it has disclosed its intention to pay with Trade Dollars

9.3 100% Trade.
All Trades shall be conducted on a one hundred percent (100%) Trade Dollar basis except in the following circumstances:

(a) The Selling Member has, before entering into the Trade, obtained the prior consent of Bartercard to trade in cash, or partly in cash and partly in Trade Dollars.
(b) When dealing with property and specific large value items which meet the ‘listing criteria’ set out in the Bartercard Property Website.
(c) Where there exists a Continual Supply Agreement (see clause 2.2(d)) between the Members.
(d) Where Bartercard has in its sole discretion negotiated an agreement with a Member, which will result in goods and/or services being made available to other Members for a combination of cash and Trade Dollars. For the purposes of this subclause any such agreement shall be referred to as a National Continual Supply Agreement.

Consent for any Trade entered into pursuant to this Rule may be given conditionally, withheld and/or later withdrawn at the sole discretion of Bartercard.

Any Member breaching this provision shall pay the standard Transaction/Service Fee on the non Bartercard Trade Dollar component of the Trade, together with an additional cash Transaction/Service Fee equal to 15% of the said value within seven (7) days of demand by Bartercard.

9.4 Refusal to Trade.
Members are accountable for their listings in the Bartercard Directory/Maps and are bound by their listing for the life of the Directory as set out in clause 13.4 hereof.

No Selling Member which is not a Limited Supply Member (see clause 2.2(g)) shall decline to enter into a Trade with a Buying Member in circumstances where the Selling Member would have entered into the Trade if the Buying Member was willing to pay cash, unless an Authorisation Number has been sought and refused, or if the Buying Member is an existing cash economy customer of the Selling Member.

9.5 Tips and Taxes
All tips, gratuities and any tax or duty applicable on any Trade shall be paid in Trade Dollars by the Buying Member at the point of purchase.

9.6 Direct Trade.
A “Direct Trade” is a Trade entered into by two or more Members outside of the Trading Program for the purpose of avoiding the payment of Transaction/Service Fees.

(a) No Member shall enter into a Direct Trade with another Member.

(b) No Member shall execute a Transaction Voucher leaving the Selling Member’s name blank, receive a third party Transaction Voucher, or negotiate a Gift Card or Product Voucher to a third party.

(c) Each Member involved in a Direct Trade shall pay a Transaction/Service Fee equal to the Transaction/Service Fee of the value of the Direct Trade, together with an additional cash Transaction/Service Fee equal to 15% of the said value, with all Fees due and payable within seven (7) days of completion of the Direct Trade.

(d) Bartercard may request from any of the Members it believes to have engaged in the Direct Trade a copy of any relevant documentation relating to the Trade which must be supplied within 48 hours of request being made.

(e) Notwithstanding the other provisions of this Rule, Bartercard may suspend or terminate the right of a Member to participate in the Trading Program if the Member has entered into a Direct Trade.

9.7 Transaction Splitting.
(a) No Member shall split the value of a transaction in order to process an amount below the value required obtain an Authorisation as identified on the reverse of the card.

(b) If the Member has breached Rule 9.7(a) Bartercard may:

(i) refuse to process the transaction or reverse, alter, or cancel any relevant entry in the Member’s Trade Account.

(ii) suspend or terminate the right of a Member to participate in the Trading Program.

9.8 Poor Service.
Where in Bartercard’s opinion a Member fails to respond to another Member’s enquiry or fails to respond to another Member in the same manner as the Member would have if the other Member was a cash customer, the Member shall be deemed to have engaged in “Poor Service” for which the Member’s right to participate in the Trading Program may be suspended or terminated.

9.9 Fair Dealings.
Bartercard may investigate or enquire into complaints in relation to or breaches of these Trade Conduct Rules by a Member and may take such actions as it deems appropriate in order to promote or ensure fair dealings between Members.


10. EXTRAORDINARY MEMBER TRADES

10.1 Warranty as to Title. Where an Extraordinary Member participates in the Trading Program as a Selling Member, the Extraordinary Member warrants to the Buying Member that it has title to the goods free from any charge, lien, or encumbrance.

10.2 “As is where is”. Such goods are sold by the Extraordinary Member on an “as is where is” basis and the Buying Member acknowledges that the goods are manufactured or produced by a third party.

10.3 Assignment of Warranty. Upon the completion of any Trade in which the Extraordinary Member participates as a Selling Member, the Extraordinary Member shall assign to the Buying Member the benefit of any warranty attaching to the goods to the extent that the benefit of any such warranty is lawfully capable of assignment.

10.4 No Warranty as to Fitness for Purpose etc. The Extraordinary Member itself makes no warranty whether express or implied, by operation of law or otherwise as to the merchantability, fitness for purpose or otherwise of those goods and a Buying Member shall look solely to the manufacturer, distributor or retailer of such goods to obtain the benefit of any warranty.

10.5 Reservation of Title. Where the Extraordinary Member participates in the Trading Program as a Selling Member, the following provisions apply:

(a) Title to goods traded between the Extraordinary Member and the Buying Member shall remain with and vest in the Extraordinary Member at all times until:

(i) the full purchase price has been discharged by a debit entry in the Trade Account of the Buying Member; and

(ii) in the event that such a debit entry results in the Trade Account of the Buying Member having a debit balance, that debit balance has been discharged either by payment from the Buying Member to the Extraordinary Member, or by credits subsequently made to the Buying Member’s Trade Account as a result of Trades.

(b) Whilst title to goods traded between the Extraordinary Member and the Buying Member remains with and is vested in the Extraordinary Member, the Extraordinary Member may re-take possession of such goods (or any part thereof) unless, within thirty (30) days after the completion of the Trade (for which purpose the date on which the Trade is entered in the Buying Member’s Trade Account shall be conclusive evidence of the date of the Trade), title to the goods has transferred to and become vested in the Buying Member in accordance with the provisions of paragraph (a) of this Rule.

(c) For the purposes of paragraph (b) of this Rule, the Extraordinary Member is hereby irrevocably authorised by the Buying Member to do all or any of the following things in re-taking or attempting to re-take possession of the goods (or any part thereof), and may exercise any of the following powers through any of the Extraordinary Member’s directors, officers, servants, agents, or sub-contractors; that is to say:

(i) to enter upon any land, buildings or property owned, leased or occupied by the Buying Member;

(ii) to use force in order to obtain entry to any such land, buildings or property;

(iii) to sever, remove and disconnect the goods (or any part thereof) from any land, building or other property to which the same have been attached or affixed, without liability for any damage or injury thereby caused to such land, buildings or other property;

(iv) to appoint a Receiver to take possession of the goods or any part of them; and

(v) in the event that the goods (or any part of them) have been intermingled with goods of the same or a similar character or description, to appropriate out of the goods so intermingled such quantity or amount as in the opinion of the Extraordinary Member fairly represents the quantity or amount and the value of the goods sold to the Buying Member;

PROVIDED THAT the Buying Member shall indemnify the Extraordinary Member against any loss or damage suffered by the Extraordinary Member resulting from any action taken by the Extraordinary Member pursuant to this subparagraph (c).

(d) Whilst title to any goods sold by the Extraordinary Member to the Buying Member remains vested in the Extraordinary Member:

(i) the Buying Member must not sell, lease, encumber, or otherwise deal with or part with possession of the goods or any part thereof until title has transferred to and become vested in the Buying Member; and

(ii) in the event that the Buying Member breaches the provisions of paragraph 10.5(d)(i) of this Rule all proceeds of any such sale, leasing, encumbering, dealing, or parting with possession of the goods shall be immediately due and payable to the Extraordinary Member.

10.6 Legislation. The provisions of this Rule are subject to any trade or commerce legislation which is inconsistent with these provisions, to the extent that the same cannot lawfully be contracted out of and to that extent only, the provisions of these Rules shall be of no force or effect.

10.7 Notwithstanding anything hereinbefore contained, the Buying Member agrees to grant a charge in favour of the Extraordinary Member over any goods supplied pursuant to this paragraph


PART III - ADMINISTRATION OF THE PROGRAM

11. BARTERCARD’S ROLE

11.1 Provision of Services. Bartercard shall:

(a) (Monitor and Recover Debit Balances):

(i) Monitor all Trade Accounts which have a debit balance and ensure that the Members holding those accounts maintain them in accordance with these Rules,

(ii) Pursue recovery of debit balances where the Rules provide that they are recoverable and where Bartercard is satisfied that the debit balance is commercially viable to pursue.

(b) (Regulate and Control) Regulate and control the number of Trade Dollars within the Trading Program.

(c) (Issue Transaction Vouchers) Make available to Members within 30 days of them becoming Members Transaction Vouchers that may be prescribed from time to time for use in connection with any Trade.

(d) (Issue Gift Card and Product Vouchers) In its discretion issue to any non members Gift Cards and to any Members Product Vouchers which can be used to participate in a Trade in accordance with Rules 6.2 and 6.3.

(e) (Issue Member's Card)

(i) Issue from time to time to Members a Member's Card ("Member's Card") which shall, upon its production to another Member be valid in respect of purchases up to the amount specified on the reverse side of the Card;

(ii) The Member's Card shall remain at all times the property of Bartercard and may not in any way be defaced or altered;

(iii) The Member's Card shall promptly be cut in half and returned to Bartercard by the Member:

• upon cancellation of the right to use the Card;

• where the Member requests cancellation;

• upon its expiry (although the Card need not be returned);

• where a Card has been previously reported lost or stolen, upon its subsequently being found.

In these circumstances an agent of Bartercard may call on the Member to obtain possession of the Member’s Card and the Member shall return the Card to that agent upon sight and proof of authority to collect the Card.

(f) (Provide Monthly Statements) Provide Monthly Statements electronically or in paper form to Members reflecting activity in their Trade Accounts and amounts that are due and owing to Bartercard (“Monthly Statement”). Monthly Statements issued by Bartercard are deemed to be accurate unless a Member notifies Bartercard in writing of any discrepancy within fourteen (14) days of the Monthly Statement date. If the discrepancy is accepted a further Monthly Statement shall be issued to correct the discrepancy. Copies of Monthly Statements shall be provided upon payment of a fee which shall be prescribed from time to time.

(g) (Provide Interim Statements) Provide interim statements to Members particularising activity in their Trade Accounts subject to payment of a fee which may be prescribed from time to time.

(h) (Invite Memberships) At its discretion invite applications for Membership of the Trading Program and if it considers the applicant to be a person or entity who carries on business of a kind likely to be suitable for trading in the Trading Program may upon payment of the Membership Fee and the approval of the Manager enter the applicant in the Membership Register.

(i) (Amend Rules) At its discretion amend the Rules pursuant to Rule 31.

(j) (Maintain Books) Establish and maintain all books and records (including books of account) necessary and proper for the conduct of the Trading Program.

(k) (Establish Trade Accounts) Establish a Trade Account for each Member.

(l) (Post Trades) At its discretion post or refuse to post Trade Dollars to a Member's Trade Account.

(m) (Grant Credit Lines) At its discretion establish, maintain, review, vary or cancel a Credit Line in accordance with Rule 20.

(n) (Review Fees) At its discretion set and from time to time review the amount of the Fees payable by each Member under the Rules, and the proportion thereof which is payable in cash.

(o) (Operate Authorisation Numbers procedure) Operate and maintain a procedure for providing Authorisation Numbers to Members.

(p) (Terminate Memberships) At its discretion terminate any Membership pursuant to Rule 19.2.

(q) (Participate in Litigation) At its discretion institute, maintain, defend or otherwise participate in or compromise any proceedings in any court or tribunal in its name or in the name of the Mnager, in respect of any moneys payable by or to Bartercard or any other claim or demand by or against it or the Manager.

(r) (Trade Conversion) Exchange Trade Dollars for cash received by it from a Member as payment of a Trade Dollar debt.

(s) (Ensure adequacy of Debt Reserve Fund) Use its best endeavours to ensure that the levels of the Debt Reserve Fund are adequate to protect the interests of the Members.

(t) (Equal treatment of members) Treat all Members equally.

(u) (List of Members) Maintain a current list of all Members in its Membership Register.

(v) (Trading Program Information) Provide to Members access to non-confidential authorised details of current information on Members and goods or services available under the Trading Program.

(w) (Publications) Issue from time to time publications and make available advertising space in such publications to Members for goods or services on offer through the Trading Program.

(x) (Do all things) Do all things necessary or incidental to the proper and efficient management and administration of Bartercard and the Trading Program and the operation and enforcement of the Rules of the Trading Program.

11.2. No Liability. Neither Bartercard nor the Manager shall not be liable to any Member for failure to provide, or the manner of providing, the above services.

12. MANAGER’s ROLE

12.1 Manager to Act on Behalf of Bartercard. Pursuant to the Deed of Management the Manager has the full and unfettered management and control of the affairs of Bartercard relating to the conduct and operation of the Trading Program. Where these Rules provide that any act, matter or thing is to be done or caused to be done or may be done by Bartercard the Manager may do or cause to be done that act, matter or thing which shall be sufficient compliance with these Rules.

13. DIRECTORY, ADVERTISING, AND PROMOTIONS

13.1 Authorisation. Members authorise Bartercard to notify and advertise to other Members the availability in the Trading Program of that Member’s goods or services for the purpose of:

• the provision of the goods or services
• the enhancement of customer service
• the answering of Members queries
• Member research, and
• the facilitation of Trades

Members authorise Bartercard and its agents, contractors, authorised employees and any related party:

• to send to it commercial electronic messages for the purpose set out in this Rule 13.1, and
• not to include in the commercial electronic message a functional unsubscribe facility.

(a) For the purposes of these Rules, an “electronic message” is a message sent using an Internet carriage service or any other listed carriage service to an electronic address in connection with:

(i) an email account; or

(ii) an instant messaging account; or

(iii) a telephone account.

Note: Email addresses and telephone numbers are examples of electronic addresses.

(b) For the purposes of this Rule 13, it is immaterial whether the electronic address exists or whether or not the message reaches its intended destination.

(c) If a message is sent by way of a voice call made using a standard telephone service, the message is not an electronic message for the purposes of these Rules.

13.2 Directory - Publication & Distribution. Bartercard shall from time to time publish and distribute a directory, including a directory in electronic form on the Internet, that contains the names and such other information concerning Members that Bartercard from time to time determines. In these Rules a reference to “Directory” shall mean both Published and Electronic Directories unless otherwise specified.

(a) (Expiry of Published Directory) All new Published Directories shall take effect immediately upon receipt by the Member which shall be deemed to be three (3) working days after dispatch by Bartercard to the Member. All old Published Directories shall cease to have effect as soon as the new Published Directories take effect.

(b) (Expiry of Electronic Directory) All new Electronic Directory listings shall take effect immediately upon their placing on Bartercard’s website and all old Electronic Directory listings shall expire at the same time except that any amendments or alterations to existing listings shall not take effect until the new Published Directory takes effect.

13.3 Member’s Listing. A Member’s listing in the Directory may be classified by Bartercard from time to time.

13.4 Member’s Obligations

(a) Members shall fulfill their listing obligations until the expiry of the old Published Directory. Requests to go on to Limited Supply will not take effect until the commencement date of any new Published Directory pursuant to Rule 13.2.

(b) Listings will be rerun in each new Published Directory unless Members request amendments prior to the notified Directory deadline.

(c) Members shall not refuse to accept Trade Dollars whilst they have a current unqualified Directory listing.

13.5 No Warranty as to Accuracy of Directory etc. Neither Bartercard nor the Manager give any warranty as to and will not be responsible for the accuracy of the information in relation to any Member contained in the Directory, or any promotional or other material provided by Bartercard or servant or agent of them or any of them to Members, and will not be liable for any error or omission therein and shall be indemnified by any Member in respect of any loss or damage suffered by Bartercard or the Manager as a result of any Member placing inaccurate information in the Directory.

14. TRANSACTION, SERVICE, ADMINISTRATION AND DIRECTORY FEES

14.1 Transaction/Service Fees. Each Member shall pay a fee in respect of each Trade in which it participates (the “Transaction/Service Fee”) which shall be equal in amount to such percentage of the value of the Trade (inclusive of any tax) as Bartercard from time to time determines, payable, at the election of Bartercard, either in cash or in Trade Dollars. The Trade Dollar amount of any Transaction/Service Fee may, at the election of Bartercard, be debited to the Trade Account of either or both of the Members participating in the Trade.

14.2 Administration/Service Fees. Each Member shall pay a monthly fee for the administration and/or service of its Trade Account (“the Administration/Service Fee”) which at the discretion of Bartercard shall be payable in any proportion of cash and/or Trade Dollars.

14.3 Directory Fees and Display Advertising Fees. Members may be charged a Directory Fee and/or a Display Advertising Fee in order to secure a listing in the Published and/or the Electronic Directory under Rule 13 which at the discretion of Bartercard shall be payable in any proportion of cash or Trade Dollars.

14.4 Payment. Each Member shall pay the full amount of all Fees, charges and other moneys owing by it within fourteen (14) days of the date of the Monthly Statement or within such other period as may be notified in that Statement or in any other way unless the Member has agreed with Bartercard in writing that payment is to be sent and received together with the Transaction Voucher to which the Fee relates, in which case the Member (“Fees with Voucher Member”) must forward such Fee together with that Transaction Voucher.

14.5 Notwithstanding anything in these Rules to the contrary, except for contributions towards the Debt Reserve Fund and any moneys paid to Bartercard by a Member with a debit balance in its Trade Account upon termination of that Member’s right to participate in the Trading Program (being moneys sufficient only to offset the debit balance), all Fees, charges and other moneys or financial obligations owed by any Member pursuant to these Rules shall be paid to or satisfied with Bartercard or its nominee.

15. OVERDUE FEES OR OTHER MONEYS

15.1 Late Payment Interest. In the event that a Member fails to pay any Fees, charges or other moneys within the period referred to in Rule 14.4 or, in the case of a Fees with Voucher Member, from the date of the Transaction Voucher to which the Fee relates, then the Member must pay a monthly amount in cash on all outstanding Fees, charges and other moneys as notified under Rule 14.4 at the rate of ten percent (10%) per month (or such other rate as may be prescribed from time to time) from the date of the Monthly Statement or in respect of Fees with Voucher Member from the date of the Transaction Voucher until the Member has paid all Fees, charges or other moneys owing in full.

15.2 Arrears. If a Member is in breach of Rule 14.4 then Bartercard may in addition to any other remedies under these Rules cancel any Trade Dollar Credit Line granted to the Member and/or freeze its Trade Dollar balance and prevent that Member from participating as a Buying Member in any Trade until satisfactory arrangements are made for payment of any fees, charges or other moneys in arrears.

15.3 Election to take Trade Dollars.

(a) (Bartercard May Elect) Where any Fees payable by a Member in cash (including interest charges payable under Rule 15.1) remain outstanding for longer than sixty (60) days after they fall due, Bartercard may, in its sole discretion and upon giving notice in writing to the Member, elect to convert the Member’s cash indebtedness into a Trade Dollar obligation in such sum as Bartercard in its sole discretion shall determine, and thereupon debit the Member’s Trade Account with that Trade Dollar amount and credit Bartercard’s Trade Account with that amount;

(b) (Member May Pay Cash) A Member whose liability in cash for outstanding Fees has been converted to Trade Dollars in accordance with Rule 15.3(a) may, at any time within thirty (30) days after receiving a notice under Rule 15.3(a), satisfy its newly converted obligation in Trade Dollars by paying the amount of the cash Fees that was payable immediately before the conversion, whereupon Bartercard shall reverse the Trade Dollar debit referred to in Rule 15.3(a).

16. BREACH OF RULES, SUSPENSION AND DAMAGES

16.1 Investigate. Bartercard may in its sole discretion investigate breaches of these Rules by Members.

16.2 Fair Dealings. Bartercard may suspend and/or restrict a Member’s right to participate in the Trading Program, and take such other action as it is empowered to pursuant to these Rules including the imposition of damages, in order to promote or ensure fair dealings between Members and may from time to time issue Fair Trading Guidelines with which Members must comply.

16.3 Suspension and Show Cause. If Bartercard suspects that a Member has breached these Rules, it may give notice of the breach in writing to the Member and request the Member to show cause in writing within seven (7) days as to why its Membership should not be suspended and/or why it should not pay damages.

16.4 Suspension. If, at any time after the expiry of seven (7) days from the date upon which a notice under Rule 16.3 was sent to a Member, Bartercard considers in its absolute discretion that the right of any Member to participate in the Trading Program should be suspended and/or why it should not pay damages, Bartercard, after considering submissions made by any Member pursuant to Rule 16.3 hereof, may suspend the Member’s right to participate in the Trading Program immediately and/or call upon the Member to pay damages and shall notify the Member accordingly. Any suspension shall have immediate effect and shall be for such period as Bartercard determines. Any damages shall be for such amount as Bartercard in its sole discretion shall determine but not exceeding $10,000.00 and shall at Bartercard’s sole discretion be payable within fourteen (14) days of demand in any proportion of cash and/or Trade Dollars.

16.5 Effects of Suspension. If Bartercard suspends a Member’s right to participate in the Trading Program pursuant to Rule 16.4, all activity in the Member’s Trade Account must cease.

16.6 Without Notice. Notwithstanding the previous provisions of this Rule Bartercard shall have the right in its sole discretion to suspend a Member or impose damages without notice.

16.7 Termination. Any decision by Bartercard to suspend a Member under this Rule shall not affect Bartercard’s right to also terminate the Member’s Membership under Rule 19 hereof.

16.8 Decision Conclusive. A decision of Bartercard to suspend or terminate a Member's Membership or to impose damages pursuant to this Rule or Rule 19.4 shall be final.

16.9 Additional Powers. Bartercard’s powers under this Rule shall be in addition to any of its other powers referred to in these Rules.

17. TRADE OUT AND CESSATION OF PARTICIPATION

17.1 Pre-Payment. If:

(a) Bartercard reasonably believes that a Member is spending the credit balance in the Member’s Trade Account or reducing the debit balance in the Member’s Trade Account in anticipation of ceasing future participation in the Trading Program; or

(b) a Member has given notice to Bartercard or has, by its actions, in the opinion of Bartercard indicated that it intends to cease participation in the Trading Program; or

(c) a Member’s right to participate in the Trading Program has been terminated but Bartercard allows the Member to finalise its Trade Account by entering into Trades as a Selling Member only;

then Bartercard shall be entitled to require immediate pre-payment in cash of the Transaction/Service Fees which will become payable on the debit or credit balance of the Member’s Trade Account.

17.2 No Trading Unless Fees Pre-Paid. Where Bartercard requires a Member to pre-pay Fees under Rule 17.1 that Member shall not be permitted to enter any Trade until those Fees are paid.

18. REVERSAL OF TRANSACTIONS

18.1 Reverse Certain Transactions. Bartercard may reverse, alter or cancel an entry in any Member’s Trade Account in relation to a Trade if:

(a) both the Buying Member and the Selling Member so request;

(b) the Transaction Voucher in respect of the Trade was not or does not appear to have been signed by an authorised signatory or was not signed at all; or

(c) the Trade was by way of Mail, Facsimile, Telephone or Internet Order and was, in Bartercard’s opinion, unauthorized or not valid.

(d) there was, in Bartercard’s opinion, some breach of these Rules or a fraudulent act in connection with the conduct of the Trade.

(e) the Card used in the Trade was expired or invalid.

18.2 Member May Show Cause. Before taking any steps under Rule 18.1 Bartercard may give the relevant Members notice requiring them to show cause within seven (7) days as to why the entries in their Trade Accounts reflecting that Trade should not be reversed, altered, or cancelled.

18.3 Where Cause Not Shown. If the relevant Members do not show cause to Bartercard’s satisfaction, Bartercard in its absolute discretion shall be entitled to reverse, alter, or cancel the entry or entries in the Trade Account of the Buying Member and/or the Selling Member in respect of which there has been non compliance with these Rules, in which event it shall be the responsibility of the Selling Member to seek payment from the Buying Member for any goods and/or services provided.

18.4 Trade Frozen Until Good Cause Shown. At any time until Bartercard has made a determination under Rule 18.3 it may freeze the entry in question in the Trade Accounts of the Buying Member or the Selling Member or both, until such determination is made.

18.5 Consequence of Reversal of Trade. If such reversal, alteration, or cancellation of any entry in the Selling Member’s Trade Account results in a failure of the consideration in whole or in part for the Trade then the Selling Member shall have no rights against Bartercard or the Manager and the Buying Member and the Selling Member shall indemnify Bartercard or the Manager against any loss or damage they may suffer in respect of any exercise or purported exercise of any powers under this Rule.

18.6 No Obligation to Reverse. Notwithstanding Rules 18.1 to 18.4 (inclusive), Bartercard shall have no obligation, in any case, to:

(a) reverse, alter, or cancel any entry;

(b) call upon any Member to show cause why any entry should not be reversed , altered or cancelled;

(c) freeze or unfreeze any entry; or

(d) make any determination under this Rule.

19. TERMINATION

19.1 Termination By Member. A Member shall be entitled to withdraw from participation in the Trading Program by giving written notice of its intention to do so PROVIDED THAT that Member’s goods and services are not advertised in the current Published or Electronic Directory in which case the notice of termination shall only take effect at the expiry date of the current Published Directory or thirty (30) days after the receipt by Bartercard of any such notice whichever is the later. It shall be a breach of these Rules for any Member to so withdraw without giving the requisite notice.

19.2 Termination By Bartercard. Notwithstanding anything hereinbefore contained Bartercard may in its absolute discretion terminate a Member’s right to participate in the Trading Program without notice on the happening of any one or more of the following events:

(a) the Member breaching any of these Rules or the terms of the Agreement;

(b) the Member receiving on two (2) or more occasions in any twelve (12) month period a notice under Rule 16.3;

(c) the Member committing an act of bankruptcy or being a company becoming insolvent and/or having a receiver, liquidator, administrator, or manager appointed, or making any arrangement or composition with its creditors;

(d) the Member being in arrears with payment of Transaction/Service Fees or any other Fees, charges or other moneys for the period set out in Rule 14.4;

(e) the Member engaging in Unfair Trading, Poor Service, Voucher Splitting, Direct Trading or Unethical Pricing as defined in to Rule 9 hereof;

(f) in its sole opinion Bartercard considers that it is not in the interests of the Trading Program that the Member should continue to participate in it.

19.3 Member’s Breach Causes Loss. Members acknowledge and agree that a breach of these Rules by a Member will cause loss and damage to Bartercard in a number of ways which may include, but is not limited to:

(a) administrative costs in dealing with the breach;

(b) financial loss due to loss of Fees, charges and other moneys payable whether in cash or in Trade Dollars;

(c) expenditure of funds in obtaining legal advice, and in instituting and prosecuting recovery action;

(d) loss of the goodwill of Members towards the Trading Program and Bartercard ;

(e) loss of trading volume; and

(f) loss of Members.

19.4 Damage for Breach Payable on Termination.
In addition to any moneys payable from the consequences set out in Rule 19.5, if a Member’s right to participate in the Trading Program is terminated pursuant to Rule 19.2, that Member may be required to pay as a genuine pre-estimate of damages and not as a penalty the sum of $10,000.00 or such lesser sum and in such proportion of cash and Trade Dollars as Bartercard in its sole discretion shall determine, within fourteen (14) days of the date of termination.

19.5 Consequences of Termination.
Upon the termination of a Member’s right to participate in the Trading Program:

(a) (Return Cards etc) Except when Rule 19.5(d)(ii) applies when the date for return shall be at the end of the trade out period set out in that Rule, the Member must immediately return to Bartercard all Cards and unused or outstanding Transaction Vouchers, and all other documents and property of Bartercard;

(b) (Fees debited) All Fees, charges and other moneys payable in Trade Dollars shall be immediately debited against the Member’s Trade Account;

(c
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