YOUR DEVICE CREDIT AGREEMENT
Fixed Sum Loan Agreement regulated by the Consumer Credit Act 1974
This agreement is made between you and us to finance the purchase of the iPhone 16 Pro Max 256GB Black Titanium - good as new

(the ‘device credit agreement’)
1. Parties
Creditor: EE Limited (‘we’, ‘us’, ‘our’)

Address: 1 Braham Street, London, E1 8EE

Customer:

Mr Jack Whittle (‘you’, ‘your’)

Address

266 Station Road

Bamber Bridge

PRESTON

PR5 6EB

2. Duration
This device credit agreement is made on the date that you sign it and will continue for 36 months from the date of your first monthly payment. Your first monthly payment will be payable after your device is dispatched to you. We will tell you when your device is dispatched when this will be.
3. Amount of credit
£987.84
4. How and when credit will be provided
We will provide the credit by applying the Amount of credit set out above in payment or partial payment of the Cash price of the goods shown below. We will do this when you have signed the device credit agreement and the device has been supplied to you.

If you are entering into this device credit agreement following an upgrade of your plan services, it is a condition to us providing the credit as payment or partial payment for the device, that you repay the full balance of any previous device credit agreement that we have asked you to repay. If you do not pay the full balance for a previous device credit agreement that we have asked you to repay, this agreement will not proceed.

5. Description of the device
iPhone 16 Pro Max 256GB Black Titanium - good as new (the ‘device’)
6. Cash price
£1017.84 - This is the total price you are paying for the device.
7. Advance payments
£30.00 - This is the amount of the Cash price you have paid by way of an upfront payment. It is a condition to us providing the credit as payment or partial payment for the device, that you make the Advance payment (if there is one). If you do not make the Advance payment, this agreement will not proceed.
8. Total amount payable
The total amount you will have to pay is £1017.84 which includes your Advance payments referred to above.
9. APR
0.00% APR
The total amount payable under the agreement is not greater than the Cash price of the goods being purchased and financed by the credit provided under this agreement.
10. Interest rate
0.00% per annum fixed for the duration of the agreement.
11. Payments
You must make 35 monthly payments of £27.44, followed by one monthly payment of £27.44.

The first payment will be on a date set by us and we will tell you what that is when your device has been dispatched. Your payments must be made by direct debit and all payment dates will be confirmed in the direct debit confirmation letter that is sent to you after your device credit agreement has been set up.

Any payments that fall on a non-business day will be taken on the previous business day or the next business day.

After you’ve made your first payment, you can ask us at any time to change your monthly payment date. You must give us 7 days’ notice of this change, and you can only change the payment date once a month.

If you have more than one device credit agreement, each monthly payment for the different agreements will be collected using one direct debit. If you make a payment that does not cover the total of all monthly payments that are due, (unless you ask us to allocate payments between more than one device credit agreement in a different way), we will allocate that payment between each device credit agreement in proportion to the next payment that is due. For example, if you have 2 agreements with us, the next monthly payments are £40 and £20 and you make a payment of £30, we will apply £20 to the first device credit agreement and £10 to the second device credit agreement.

We will allocate payments (including any partial payments) made by you under this device credit agreement in the following order:

first towards any arrears of amounts you have not paid under the device credit agreement;
then to discharge the amount of any monthly payments due; and
then to the balance of the device credit agreement outstanding to reduce the amount you owe under the device credit agreement.
12. Changes we can make to the terms of your device credit agreement
We may need to make a change to the terms of this device credit agreement for any one or more of the following reasons, acting reasonably:

to enable us to respond proportionately to any changes or anticipated changes in relevant laws or regulatory requirements, codes of practice or the way we are regulated, or a decision made by, or a requirement of a court, regulator or an ombudsman;
to reflect changes to the way we look after your credit account, or device credit agreement generally (including changes to the technology we use) because of the steps we have taken to modernise or improve our systems for managing device credit agreements;
to correct any errors if it is reasonable to do so; or
to make the terms easier to understand or to make them fairer to you.
If we decide to change a term of this device credit agreement we will tell you in writing at least 30 calendar days before the change.

13. Changes we can make to the terms of your device credit agreement when you are in arrears
In addition to the reasons set out in section 12 above, we can also make changes to your device credit agreement in certain circumstances if you are in arrears because you have missed payments.

For a specified period of time, we can suspend your monthly payments under the device credit agreement to enable you to clear your arrears. If we do this we will tell you what payments you are required to make to clear your arrears and for how long your monthly payments will be suspended.

We can on notice, terminate the suspension of your monthly payments, if you have not met the terms of any payment arrangement to clear your arrears which we have set up with you. If we do this you will need to resume making your monthly payments and your arrears will remain immediately due and payable.

If we suspend your monthly payments in accordance with the above, to ensure the monthly payments which were not made during the period of suspension are paid, we can either (at your option):

extend the duration of the device credit agreement; or
increase the amount of your monthly payments.
If we extend the duration of the device credit agreement your monthly payments will remain the same, but it will take longer for you to pay off your device credit agreement. If we increase your monthly payments, you will pay off your device credit agreement within the same duration envisaged under this agreement, but the amount you will need to pay each month will be more.

14. Statement of account
Under section 77B of the Consumer Credit Act, at any time during the device credit agreement, you can ask us for a statement, free of charge, in the form of a table showing-

The details of each instalment owing under the device credit agreement;
The date on which each instalment is due, the amount and any conditions relating to the payment of the instalment:
A breakdown of each instalment showing how much comprises-
Capital repayment,
Interest repayment, and
If applicable, any other charges.
15. Missing payments warning
We will report missed payments to the credit reference agencies which may make it more difficult and expensive for you to obtain credit in the future. If you miss enough payments and fail to bring your account up to date, we may also terminate this agreement and ask you to pay the outstanding balance of the device credit agreement, in full. We may take legal action against you to recover the outstanding debt which could lead to us obtaining a county court judgment (CCJ) against you, or asking a court for an order that, if property you own is sold for any reason, some of the sale proceeds are used to repay the amount you owe under this device credit agreement.

We may outsource the collection of debts to a debt collection agency so someone else may contact you to collect the debt that you owe to us.

If you miss payments we will apply a partial restriction to your plan services. If you don’t bring your device credit account up to date, we will apply a full suspension which will stop outgoing and incoming services apart from calls to emergency services. We will also cancel your plan services and all amounts you owe under it (including any early termination charge that may be payable) will become payable in full, immediately.

16. Right of withdrawal/Cooling-off period
You have a legal right to withdraw from this agreement (without giving any reason) by writing to us or calling us. Your right to withdraw starts on the day the agreement is made and ends 14 days after the day you receive a signed copy of this device credit agreement.

We will extend the withdrawal period and allow you to withdraw from this agreement up to 14 days after your device has been delivered, if later.

You can tell us that you would like to withdraw from this agreement using the details in the “How to contact us” section below.

You must repay the credit, without delay, within 30 days, starting the day after you tell us that you want to withdraw.

You can repay by calling 150 and making a payment with your debit card or credit card or you can ask us to collect what you owe with one of your next direct debit payments.

You also have 14 days from the day after you receive your device to tell us that you’ve changed your mind and want to cancel the purchase of your device (the ‘Cooling-off Period’). If you exercise your right to cancel within the Cooling-off Period, you must return your device to us within 30 days. We will apply a charge to your plan services bill if the device or any goods originally supplied to you are damaged.

17. Early settlement
You have a right to repay the Amount of credit early in full or in part. To make an early settlement payment, please contact us using the “How to contact us” details below. When you make a partial early settlement payment, we will apply the payment to all of your remaining payments. This means that the duration of this agreement will stay the same, but the amount of your future monthly payments will decrease.
18. How to make a complaint
If we do not give the standard of service you expect, or if you think we have made a mistake, please let us know so we can investigate, put matters right and take steps to prevent it happening again.

Please contact us to make a complaint using the details in the “How to contact us” section below.

If you are not happy with the way that we deal with your complaint you have the right to refer your complaint to the Financial Ombudsman Service by:

writing to Financial Ombudsman Service, Exchange Tower, Harbour Exchange, London E14 9SR
emailing: complaint.info@financial- ombudsman.org.uk
or calling 0800 023 4567
If you do not take up your problem with us first you will not be entitled to complain to the Ombudsman.

19. Supervisory authority
The Financial Conduct Authority, 12 Endeavour Square, London, E20 1JN is the supervisory authority under the Consumer Credit Act 1974. We are authorised and regulated by the Financial Conduct Authority (authorised registration number 715183).
20. Terminating the device credit agreement
Failure to make payment in relation to your device credit agreement

We may terminate your device credit agreement and require you to pay the outstanding balance in full immediately, if you fail to make your monthly payments. We may require you to pay our reasonable costs and expenses, including legal costs if we have to take action to obtain payment.

Your plan services are terminated

We may also terminate your device credit agreement and ask you to pay the outstanding balance in full immediately, if we terminate your plan services, for example, because you don’t make payments under your plan or due to your breach under the plan terms and conditions.

21. Changes to your plan services
If you decide to change or end your plan services in the following circumstances, your device credit agreement will be impacted in the following ways:

Leaving us within your plan minimum term - you must repay the full outstanding balance owing under your device credit agreement when you leave our network.
Leaving us after your plan minimum term - your device credit agreement will continue until it comes to an end (e.g. all repayments have been made or you or we terminate it).
Upgrades - if you choose to upgrade your plan services and/or device you must repay the full outstanding balance owing under your existing device credit agreement before you can complete your upgrade.
Change of ownership - - if you ask us to transfer the account for your plan services to another person e.g. because you are going through a separation, you must repay the full outstanding balance owing under your device credit agreement before we can transfer the account.
We will tell you when you request to change or end your plan, what your outstanding balance is and how you can pay it to settle your device credit agreement early.

22. How we will communicate with you
You agree that we may serve notices and send documents to you (including this device credit agreement, any copy documents, statements, notices and other correspondence relating to this agreement) in the following ways:

by SMS to your EE mobile;
by post to the postal address you have given us;
by email or PDF attachment to an email; and
o your EE account, where they will be available as downloadable PDF.
We’ll use the most recent postal, email address and mobile number(s) we have for you. If you change your postal or email address you must tell us immediately. You can update your contact details in EE or by contacting us using the details in the “How to contact us” section below.

23. Transfer of rights
We may transfer our rights and our obligations under this agreement to a third party, including information about you and how you have managed your payments under this agreement which the third party needs to know. This includes, if you have missed payments, selling your debt to an external company. If we transfer any of our rights or obligations this will not alter your obligations or your rights, including your rights under the Consumer Credit Act 1974. You can't transfer your rights or duties under this device credit agreement to anybody else.
24. Exercising our rights
If we decide not to exercise our rights under this device credit agreement, or temporarily relax the conditions of your agreement, we will not be prevented from enforcing our rights against you in full at any time.
25. Governing law and jurisdiction
English law will apply to this agreement and any disputes will be settled in the courts of England, Wales, Scotland and Northern Ireland (as applicable) to the part of the United Kingdom in which you live. We will communicate with you at all times in English.
26. How to contact us
You can contact us to e.g. to update your contact details, ask for information about early settlement, tell us that you want to withdraw from the agreement, or make a complaint by:

calling 150 from your EE mobile,
calling us on 0800 956 6000 from a landline, or
writing to us at EE Customer Services, 6 Camberwell Way, Sunderland, Tyne and Wear, SR3 3XN.
Sign here only if you want to be legally bound by the terms of this agreement.

Customer Signature:

Date of Signature:

Signed by or on behalf of EE Limited

Date of Signature:

Credit Agreement Number:

EE Limited is authorised and regulated by the Financial Conduct Authority for the provision of consumer credit.

EE Limited (registered in England and Wales no: 02382161)

Registered office: 1 Braham Street, London, E1 8EE

EE-IH-DCA-103D
